Welcome to CalABLE

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

Who Can Open an Account?
  • A Beneficiary, who is the individual with a disability that meets the eligibility guidelines and in addition must:
    1. Be a U.S. citizen or an individual residing in the U.S.;
    2. Be 18 years of age or older with the legal capacity to contract;
    3. Have a Social Security Number or other taxpayer identification number; and
    4. Have a U.S. permanent address that is not a Post Office Box.
  • An Authorized Legal Representative, who is either a person granted a legally enforceable power of attorney, Conservator, Legal Guardian, Spouse, Parent, Sibling, Grandparent or Representative Payee (Individual or Organization) to act on behalf of the Beneficiary by opening and administering the CalABLE account.
Eligibility Requirements
To be eligible for a CalABLE account, the Beneficiary must meet at least one of the following eligibility requirements:
  • The Beneficiary is entitled to benefits based on blindness or disability under Title II or XVI of the Social Security Act
  • The Beneficiary has a condition listed on the Social Security Administration List of Compassionate Allowances Conditions, or
  • The Beneficiary has a disability certification (with a written diagnosis relating to the disability from a licensed physician) and in all cases can certify under penalty of perjury that either:
      1. has a medically determinable physical or mental impairment which results in marked or severe functional limitations, and which can be expected to result in death or has lasted or can be expected to last for a continuous period of not less than 12 months; or
      2. is blind (within the meaning of the Social Security Act); and

    2. The blindness or disability was present before the Eligible Individual attained age 26.
  • In addition, the Beneficiary must not have any other ABLE accounts.
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 required.
  • Read and agree to the Terms and Conditions and Program Disclosure Statement.
  • Review Investment Options offered and choose how to invest contributions.
  • Keep copies of all documents establishing eligibility and furnish to CalABLE or the IRS upon request.
Information Needed
Please be sure to gather the following information before beginning the application:
  • Beneficiary contact information, Social Security or Taxpayer Identification Number, and date of birth.
  • Authorized Legal Representative 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 electronic contributions and/or withdrawals, CalABLE will perform a micro-deposit method of verification for any bank account you intend to use to transact in this program.
If you have questions about any of these requirements, please contact us at 833-Cal-ABLE (833-225-2253).
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