CalABLE Basics

Opening a CalABLE account today allows you to invest in your future while preserving your benefits.

In the past, the risk of losing public benefits coupled with the high cost of support expenses, limited members of the disability community from building financial security. Until now.

A CalABLE account is a savings and investment account. Eligible individuals (and their friends, family and employers) may contribute up to $17,000 a year to a CalABLE account without jeopardizing public benefits such as SSI, and at any time you can have up to $100,000 in your account. Account holders who work can potentially contribute above $17,000 yearly. Earnings and withdrawals in a CalABLE account receive tax-free treatment, provided the funds are used for Qualified Disability Expenses.

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The U.S. Bank Solutions Premier Prepaid Card (“Prepaid Card”) is a reloadable prepaid card offered by CalABLE program as an optional feature to participants. CalABLE participants may request a Prepaid Card at the at the time of enrollment in the CalABLE Program, or if you have an existing CalABLE account, you can request a Prepaid Card at any time by logging into your CalABLE account and requesting a Prepaid Card on the “Prepaid Cards” tab and then select “Order”. The Prepaid Card can be requested for use by an Authorized Legal Representative, the Beneficiary, or both. Once activated, participants can load money onto the card by requesting a withdrawal from their CalABLE account on the “Financials” tab and selecting the prepaid card option. The card gives participants added flexibility to pay qualified disability expenses everywhere Visa debit cards are accepted. Participants are generally protected from all liability for unauthorized transactions with Zero Liability. For more information on the U.S. Bank Solutions Premier Prepaid Card, please visit

*The CalABLE account is not a U.S. Bank nor Visa product or service. U.S. Bank nor Visa endorses or guarantees the products, information, or recommendations provided on this site. Neither U.S. Bank nor Visa are liable for any failure or products or services advertised on this site outside of the U.S. Bank Solutions Premier Prepaid Card, which is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. © 2022 U.S. Bank. Member FDIC. Please visit for information about the U.S. Bank Solutions Premier Prepaid Card.*

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Are you eligible for a CalABLE account?

Individuals with an onset of a disability before age 26 are eligible to open a CalABLE account.

If you meet this age requirement and receive benefits under SSI (Supplemental Security Income) and/or SSDI (Social Security Disability Insurance), you are automatically eligible to open a CalABLE account.

If you are not a recipient of SSI and/or SSDI, but still meet the age of disability onset requirement, you could still be eligible if you meet Social Security’s definition and criteria regarding significant functional limitations and receive a letter of certification from a licensed physician.

The CalABLE program is one of the fastest growing ABLE programs in the United States. While CalABLE is California’s ABLE Plan, any eligible individual can open an account no matter your state of residence.

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Who can open an account?

  • An Eligible Individual
  • An Authorized Legal Representative (the parent, legal guardian or conservator of an Eligible Individual)

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How to get started

You will need a few pieces of information to open an account:

  • Social Security number, date of birth and contact information for the beneficiary
  • Social Security number for the authorized legal representative (if different from the account owner/beneficiary)
  • Bank account information (account number and bank routing number)

Please note: As an added security measure, if you choose to make electronic contributions and/or withdrawals, CalABLE will perform a method of verification for any bank account you intend to use to transact in this program.

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Still have questions?

Check out our Frequently Asked Questions page for more information.

Additional Account Opening Resources

Information Guide

Tri-fold Brochure

Program Disclosure Statement

Rollover form

  • Rollover Form (PDF) (Use this form if you want to roll over money from a different ABLE or 529 college saving program account to a CalABLE account.)