Achieving a Better Life Experience (ABLE) accounts are designed for those with the occurrence of a disability before the age of 26. The NC ABLE Program was launched in 2017 and allows eligible individuals the opportunity to save and fund a variety of qualified disability expenses while maintaining Medicaid, SSI1 and other public supports. NC ABLE accounts can help pay for a variety of expenses, such as:

  • Education
  • Transportation
  • Housing
  • Health and Wellness
  • Financial Management 
  • Legal Fees
  • Assistive Technology
  • and more

NC ABLE accounts can be opened by an eligible individual, who is the account owner, or by the account owner’s parent, guardian, or person acting under a power of attorney. NC ABLE accounts are open to eligible individuals throughout the US. The account can be funded by the account owner, family or friends, and in some cases, funds can also be transferred to a NC ABLE account from a 529 college savings account. It is important to know that account owners can contribute up to $16,000 per year to a NC ABLE account, and individuals that qualify for the NC ABLE Program have a greater annual allowance for contributions to their account with the ABLE-to-Work provision.2 Overseen by the Department of State Treasurer and the Board of Trustees, NC ABLE currently has over 1,600 account holders with more than $15.3 million in assets and an average account balance of nearly $9,500.3

In a recent survey, 97 percent of respondents would recommend the program to others, according to a 2020 survey of all NC ABLE account owners. It’s an opportunity to save for the future and spend for today’s qualified expenses.


1ABLE account balances up to $100,000 are excluded from assets for the purpose of determining SSI eligibility.
2For employed account owners, the annual contribution limit is increases by the lesser of the person’s earning and the Federal one-person poverty limit for the prior year.
3As of Jan. 10, 2022.

Graphic with a screenshot of the NC ABLE Account Enrollment Checklist

The NC ABLE Enrollment Checklist outlines what you need to open an NC ABLE account for yourself or someone else. It allows you to gather required information and take a closer look at account types and investment options before you move to online enrollment.

NC ABLE Checklist

Graphic with "be able with NC ABLE" on it

NC ABLE accounts allow eligible individuals to save and fund a variety of qualified disability expenses without endangering eligibility for certain benefits that are critical to their health and well-being, such as Medicaid and Supplemental Security Income.


Administration of the North Carolina ABLE Program

The Department of State Treasurer is excited to implement and administer this program for the citizens of North Carolina. People with questions about the NC ABLE Program can contact:

Jeff Hancock
Director, Supplemental Plans
North Carolina Department of State Treasurer
Phone: 919-814-4176

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NC ABLE Accounts with Sign Language (Video Card)

NC ABLE ABLE Accounts presented by the IRS (Video Card)

NC ABLE Cuentas - Spanish Accounts ABLE presented by the IRS (Video Card)