California Achieving a Better Life Experience (CalABLE)

A CalABLE account is a tax-free savings and investment plan to help Californians with a disability save for large or small expenses to keep them healthy and improve quality of life.

Who is Eligible:

  • Individuals with a disability that occurred before age 26
  • Meets the eligibility criteria for disability benefits like SSI (Supplemental Security Income) and/or SSDI (Social Security Disability Insurance)
  • Individuals who do not receive SSI or SSDI, but still meet the age onset requirement, may be eligible if there is a diagnoses by a qualified physician


  • Those who receive SSI benefits can save as much as $100,000 in the account with no effect on federal and California state benefits
    • Annual contributions are limited to $15,000 per year, which can be made by family, friends, or the individual without affecting public disability benefits
    • Those who are employed can contribute additional amounts above the $15,000 annual limit
  • Earnings in a CalABLE account are 100% federal and California state tax-free
  • Withdrawals to pay for disability-related expenses are also federal and California state tax-free

What is a Qualified Disability Expense?

  • Any expense that helps maintain or improve health, productivity, independence, or quality of life
  • Examples of eligible expenses include education, employment support, housing, transportation, assistive technology and healthcare expenses

How it Works:

  1. Open an account and add a minimum of $25
  2. Select your investment or saving option
  3. Add money to your account at anytime
  4. Withdraw money as needed

More Information:

For more information or to open an account, please visit the CalABLE website or YouTube channel.

Cal ABLE Logo

Last modified: October 5, 2023