CalABLE is a savings and investment plan offered by the state of California to individuals with a disability. Eligible individuals, family, friends, and employers can contribute up to $15,000 a year without affecting the beneficiary’s public disability benefits. Beneficiaries who work can contribute even more to their accounts. Earnings on qualified withdrawals from a CalABLE account are federal and California state tax-free.


Individuals with a disability, which occurred before age 26, are eligible to open a CalABLE account. If you meet this age of onset 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 meet the age of 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.

Unlike Social Security eligibility, you can work and earn income without fear of impact to your CalABLE account.

Learn More

Learn more with the CalABLE enrollment guide (obtenga más información con la guía de inscripción). Opening an account is easy and it’s all online – no paper forms. Visit today to get started!

Questions? You can review the CalABLE frequently asked questions, or contact 833-CAL-ABLE or visit them online at