Welcome to the Texas ABLE® Program

Thank you for your interest in the Texas ABLE® Program. In order to enroll in the Texas ABLE Program, individuals must meet specific eligibility requirements. Before beginning the application, please review the following guidelines and requirements.

Who Can Open an Account?
  • A beneficiary, that meets the eligibility requirements and who is at least 18 years of age, or
  • An Authorized Legal Representative, who is one of the following in relation to the beneficiary: an authorized agent under a Power of Attorney, a Conservator, a Legal Guardian, the spouse, a parent, a sibling, a grandparent, or a Representative Payee appointed for beneficiary by the Social Security Administration.
Eligibility Requirements
To be eligible for a Texas ABLE Program account, the Beneficiary must meet the following three requirements:
  1. The beneficiary is a Texas resident.
  2. The beneficiary can establish that he or she has a disability through one of the following ways:
    • SSI or SSDI Eligibility - The Social Security Administration has determined that the person is eligible to receive Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI), and he or she is still eligible to receive SSI or SSDI when he or she opens the account.
    OR
    • Physician’s Diagnosis - A licensed physician has provided a written diagnosis that the person is either:
      • (a) blind (within the meaning of the Social Security Act),
      or
      • (b) has a medically determinable physical or mental impairment that results in marked and severe limitations, and which can either be expected to result in death, or has lasted or is expected to last at least 12 months.
      • (note: individuals do not have to provide us with a copy of the diagnosis during enrollment, but a copy of the diagnosis must be available upon request)
    OR
    • Compassionate Allowances Conditions - The beneficiary has a condition listed on the Social Security Administration’s list of Compassionate Allowances Conditions (found at www.ssa.gov/compassionateallowances/).
  3. The beneficiary’s disability was present before age 26.
In addition, the beneficiary must not have any other ABLE accounts except for pending rollovers and program-to-program transfers.
The person completing the application (either the Beneficiary or their Authorized Legal Representative) must also:
  • Certify that the information provided in the application is true and be able to provide any supporting documentation, if requested.
  • Read and agree to the Terms and Conditions and Program Disclosure Statement and Participation Agreement.
  • Review Investment Options offered and choose how to invest contributions.
  • Keep copies of all documents establishing eligibility and provide them to the Texas ABLE Program or the IRS upon request.
If you have questions about any of these requirements, please go to www.TexasABLE.org.

Information Needed
Please be sure to gather the following information before beginning the application:
  • Beneficiary's contact information, Social Security or Taxpayer Identification Number, and date of birth. Beneficiaries who are certifying eligibility through a written diagnosis will also need their physician’s name and address and the date of their diagnosis.
  • Authorized Legal Representative's contact information, Social Security or Taxpayer Identification Number, and date of birth, if applicable.
  • Banking information (account number and routing number) to make the initial contribution and to set up future recurring contributions, if desired.
  • Please note: As an added security measure, if you choose to make contributions and/or withdrawals via ACH, the Texas ABLE Program will perform a micro-deposit method of verification for any bank account you intend to use to transact in this program.
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