[A green banner reads Introduction to ABLE Accounts for People with Disabilities. The logos for ABLE today, the National Association of State Treasurers, Transamerica, and Wells Fargo are displayed below the banner.]

[Full-screen green background with white text reads ABLE accounts are savings and investment tools offered under Section 529A of the U.S. Tax Code that allow people with disabilities to save money without impacting public benefits.]

[Woman wearing a pink suit jacket comes on screen. The title card reads Stacy Garrity, Pennsylvania State Treasurer and ABLE Savings Plans Network Chair.]

Before ABLE, people with disabilities could not have assets of more than $2,000. That's absurd. And for many people, this meant living in poverty or relinquishing control of their own finances to another person. ABLE solves that problem. 

[Woman wearing black and white blouse comes on screen. The title card reads Sara Hart Weir, ABLE Today. Green text box reads Our mission is to advance financial empowerment for people with disabilities by increasing the awareness of ABLE accounts.]

Our mission is to advance financial empowerment for people with disabilities by increasing the awareness of ABLE accounts.

[Man wearing a brown suit jacket comes on screen. The title card reads Erik Jimenez, Chief Policy Deputy, Nevada State Treasurer’s Office.]

ABLE accounts are really nice insofar as they allow people to save like a checking account or a basic savings account. This can be layered with a special needs trust which families could set aside for their children for larger assets like long term care and houses 

[Man wearing a navy suit jacket comes on screen. The title card reads Michael Frerichs, Illinois State Treasurer. Yellow desk icon, green money icon, and red benefits icon appear on the screen as he speaks.]

For people who believe in the power of work and what it does to self-worth. We're allowing a lot of people with disabilities to go out, to have a job, to save that money without fear of losing their federal benefits. It’s creating a lot more self-confidence and a lot more self-sufficiency.

[Woman wearing a yellow blouse comes on screen. The title card reads Aleyta Zimmerman, Wyoming ABLE, Wyoming Governor’s Council on Developmental Disabilities.]

An ABLE account support person is also known as an authorized legal representative that can be a brother, a sister, a parent, a grandparent, a rep payee, the power of attorney to assist just with the ABLE accounts.

[Man wearing a plaid dress shirt comes on screen. The title card reads Carl Kanefsky, Program Director, DEpendABLE Delaware, Delaware State Treasurer’s Office.]

It's basically the person who can manage that fund, manage the money, make sure that money that's needed can be withdrawn and make sure it's a qualified disability expense so that there aren't tax implications and that the money can be used freely. Manage everything about the account to make sure the money's there and is used appropriately.

[Woman wearing a plaid sweater comes on screen. The title card reads Mary Morris, CEO, Virginia529, Commonwealth of Virginia.]

ABLE Accounts offer a variety of investment savings options. Most are fairly simple, so they can keep the costs down. There'll be some target risk options, aggressive, moderate, conservative in most places, as well as some other types of investments. Most are anchored with an interest bearing checking account, let's say, or the option to have a prepaid debit card or a debit card associated because these accounts, we see more as mainly savings, some long term investment. But it's that ability to save for the future, but also pay for current expenses.

[Man wearing a plaid dress shirt comes on screen. The title card reads Carl Kanefsky, Program Director, DEpendABLE Delaware, Delaware State Treasurer’s Office. Graphics appear on the screen as he talks: orange house icon, blue car icon, red graduation cap icon, yellow person at desk icon. Graphic zooms out to show an orange house icon, blue car icon, red graduation cap icon, yellow person at desk icon, blue medical equipment icon, red money icon, green medical paperwork icon, and purple balancing scale icon.]

A qualified disability expense is almost anything that anyone else has as an expense. It's beautifully broad. It can cover housing, it can cover transportation, it can cover education, it can cover job training, or even the use of a job coach if you need it. We look at it as basically anything that the person can do to enhance or just maintain the quality of their life.

[Man wearing a navy suit jacket comes on screen. The title card reads Michael Frerichs, Illinois State Treasurer. An image of a woman in a wheelchair wearing a maroon top and holding a phone comes on the screen as he speaks. The title card for the photo reads Wendy, Illinois.]

Wendy in Springfield, Illinois has been saving in her ABLE savings account and has used that money for a down payment on an accessible home. It's going to make her life brighter and that's going to help countless families throughout our state.

[Man wearing a black suit jacket comes on screen. The title card reads Young Boozer, Alabama State Treasurer. An image of a woman in a wheelchair wearing a purple blouse and white pants next to a dog comes on screen. The title card for the photo reads Stephanie, Alabama.]

We had a great positive experience with our very first account. The first account was opened up by a wonderful young lady from North Alabama by the name of Stephanie. She had cerebral palsy. But having had that experience with Stephanie and seeing how it changed her life, improved her life, for us, that experience, that first account, that Stephanie account changed our view of the program from a program of savings to one of mission. It worked out incredibly well for all of us.

[Full-screen green background with white text reads What is ABLE to Work?]

[Woman wearing a black blouse and colorful scarf comes on screen. The title card reads Bette Ann Mobley, Director, Maryland ABLE, State of Maryland.]

ABLE to Work is an opportunity for people who are employed and have jobs to save above and beyond the annual contribution limit for ABLE accounts. ABLE to Work finally gives people who are working an opportunity to save part of their earnings while not jeopardizing benefits. Engagement with employers is one of our new initiatives. Employers are such an invaluable resource for us.

[Audio continues over full-screen white background with text. First graphic displays two arrows pointing between the word ABLE with a green background and Employers alongside a yellow briefcase icon. Next graphic displays one green human icon next to 4 gray human icons above text that reads 1 in 5 people has a disability or a family member with a disability. Next graphic displays 66 million care for a loved one who is aging, seriously ill, or disabled. The next graphic displays a green money icon in line with text that reads cost to replace a valued employee: 150% of annual salary. The next graphic shows the woman in a black blouse and colorful scarf again with a green banner that reads Employers can find more information about ABLE programs at ABLEtoday.org/for-employers.]

One in five people in the United States either has a disability or is a family member. So as outreach is so important in the ABLE programs, we need to be sure to have as many opportunities to send this message. So we're asking employers to partner with us through their DEI initiatives and one of the things we're really looking forward to is having employers include information about ABLE either in their onboarding process or as part of their ongoing benefits package.

[Woman wearing a pink suit jacket comes on screen. The title card reads Stacy Garrity, Pennsylvania State Treasurer and ABLE Savings Plans Network Chair. As she speaks, an image of her in military uniform in front of an American flag comes on screen.]

The ABLE Age Adjustment Act will have a huge impact. Raising the limit for onset of a disability from 26 to 46 will make ABLE accounts available to an estimated 6 million more Americans, including 1 million veterans. As a veteran myself, I know firsthand that access to ABLE accounts will be tremendously helpful for our selfless, patriotic heroes who have sacrificed so much for our great country. Many of their disabilities occur after age 26 as a direct result of their dedication to the mission of protecting every one of us. I'm thrilled that Congress got this done for them.

[Woman wearing a black blouse and colorful scarf comes on screen. The title card reads Bette Ann Mobley, Director, Maryland ABLE, State of Maryland. As she speaks a gray human icon with the label partner appears above three green human icons with lines connecting them. The next graphic shows the woman in a black blouse and colorful scarf again with a green banner that reads to partner with us visit ABLEtoday.org/partner.]

National partners are a huge part of what helps us in our outreach through the state programs. Our partners are people who are already connected to potential account holders, and through those connections, they assist us in getting that information out to people who may be ABLE eligible.

[Man wearing a brown suit jacket comes on screen. The title card reads Erik Jimenez, Chief Policy Deputy, Nevada State Treasurer’s Office.]

I think it's really necessary for the word to come directly from the disability community. That's why it's important that state program administrators work directly with them so it can come from a trusted source.

[Man wearing a plaid dress shirt comes on screen. The title card reads Mark Raymond, Jr., ABLE today. As he speaks a QR code comes on screen above a green banner that reads ABLEtoday.org.]

People should visit, ABLEtoday.org to learn about the different ABLE programs. 46 states and the District of Columbia offer some type of ABLE program, and every state is different. On ABLEtoday.org's website, you'll learn about the different programs and the criteria for each program.

[Full-screen white background with green banner and white text on top reads Visit ABLEtoday.org to learn more about ABLE accounts, help us spread the word, partner together to host an ABLE presentation. The logos for ABLE today, the National Association of State Treasurers, Transamerica, and Wells Fargo are displayed below the banner.]