ABLE Accounts for Veterans, Service Members and Families
Achieve financial strength.
Protect your benefits.
Invest in your future.
A smarter way to save without risking essential benefits
For many Veterans with disabilities and families, saving money can feel complicated when benefits are on the line. ABLE accounts are designed to help eligible individuals build financial resilience, save for the future, and pay for everyday disability-related needs — all while preserving access to important supports.
ABLE accounts can help people move from simply getting by to building real financial security.
Why people with disabilties - incluidng Veterans, Service Members, and their families - should consider an ABLE account
An ABLE account can help you:
Save for short-term and long-term needs
Build emergency reserves
Cover disability-related expenses
Reduce the stress of traditional asset limits
Plan for greater independence and stability
This is especially important for Veterans and military families who want more flexibility, more control, and more confidence in their financial future.
View the Benefits + Advantages Below…
Key advantages of an ABLE account
Protect important benefits
ABLE savings up to $100,000 are not counted as a resource for SSI, and a VA Pension is not reduced based on ABLE account resources.
Save with tax advantages
For 2026, up to $20,000 annually can be contributed from all sources combined, including family, friends, and the beneficiary. Contributions are made with post-tax dollars, and earnings and withdrawals for qualified disability expenses are federal income tax-free.
Use funds for a wide range of needs
ABLE funds can be used for both essential expenses and quality-of-life expenses.
Keep working if you choose
You can be employed and still have an ABLE account. There are no work restrictions tied to opening one.
Simple to set up and use
ABLE accounts are designed to be straightforward for individuals and families to open and manage.
What can ABLE funds be used for?
ABLE funds can be used for many qualified disability expenses, including:
Housing and utilities
Education and training
Assistive technology
Transportation
Vehicle modifications
Healthcare
Mental health needs
Retirement planning
And when funds are used for qualified disability expenses, withdrawals are not subject to federal income tax.
Who may be eligible?
Veterans and family members may qualify if:
The disability began before age 46
They meet Social Security’s criteria for significant disability, or
They can provide certification from a licensed physician
Eligibility may apply even if a VA disability rating is below 100%.
You may also qualify even if your disability began after serving in the military.
ABLE can help the whole family plan ahead
An eligible spouse or dependent may be able to have their own ABLE account. That can create more flexibility for families managing disability-related expenses, long-term planning, and future stability.
Common questions
Will an ABLE account reduce my VA Pension?
No. The VA Pension will not be reduced based on ABLE account resources.
Will ABLE savings affect SSI?
Savings up to $100,000 in an ABLE account are not counted as a resource for SSI.
Can I work and still have an ABLE account?
Yes. There are no work restrictions.
Is it hard to open and use an account?
No. ABLE accounts are designed to be simple and straightforward to set up and use.
Build the financial security you’ve earned
Veterans with disabilities and their families deserve tools that support independence, stability, and long-term peace of mind. Learn more about ABLE accounts and take the next step toward protecting benefits while building a stronger financial future.