Home / Individuals / ABLE

Illinois ABLE Program Logo

Save for Expenses. Participate in the Community. Achieve Greater Independence

IL ABLE accounts make it possible for people with disabilities and their families to save and invest for expenses related to living with a disability without losing, or losing access to, federal means-tested benefits such as SSI, SSDI and Medicaid.  Earnings and withdrawals are tax-free if they are spent on a broad range of qualified disability expenses including housing, health and wellness, education and training, therapy, basic living expenses and more.


  • Great tax benefits:  Illinois taxpayers can make a tax-deductible contribution to any IL ABLE account: up to $10,000 for individual filers and $20,000 for those filing jointly*
  • IL ABLE account owners who receive SSI benefits can exceed the $2000 asset cap without losing benefits
  • High-quality investment options that fit your goals and comfort level
  • Popular checking account option with a real-time debit card
  • Low fees


IL ABLE accounts solve a long-time predicament that many people with disabilities face – how to build financial wellness without risking much-needed federal government benefits.


Illinois leads the National ABLE Alliance, a 18-state consortium that represents more than one-quarter of the nation’s ABLE-eligible population and offers a best-in-class ABLE program to people with disabilities anywhere in the country.


To sign up for your ABLE account, visit the IL ABLE website.

Button to click to sign up for an ABLE account

Find answers to common questions by visiting our ABLE Frequently Asked Questions guide.


For more information or to open your Illinois ABLE account visit or call 888-609-8683.

The Illinois Achieving a Better Life Experience (IL ABLE) plan is sponsored by the State of Illinois and administered by the Office of the Illinois State Treasurer. IL ABLE is designed to be a qualified ABLE plan offered through the National ABLE Alliance. Ascensus College Savings Recordkeeping Services, LLC, the Program Manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services for IL ABLE.

Accounts in IL ABLE are not guaranteed or insured by the State of Illinois, the state administrator, the Trust, IL ABLE or the Program Manager. IL ABLE offers investment options across the risk spectrum from Conservative to Aggressive. Except for the checking account option, investments in the IL ABLE plan are not insured by the FDIC. The Checking Option offers FDIC insurance up to $250,000, subject to certain restrictions. Interests in IL ABLE are municipal securities and the value of your account will vary with market conditions and the performance of the investment options you choose. Account owners assume all investment risks as well as responsibility for any federal and state tax consequences. Participation in the IL ABLE plan does not guarantee that contributions and the investment return on contributions, if any, will be adequate to cover future expenses or that an Account Owner is eligible to participate in the IL ABLE Plan.

Before investing in any ABLE plan, you should consider whether the state in which you reside or pay taxes offers an ABLE plan that provides its taxpayers with favorable state tax or other benefits that are only available through investment in the home state’s ABLE plan. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits, or any limitations, would apply to your specific circumstances.

This material is provided for general and educational purposes only, and is not intended to provide legal, tax or investment advice, or for use to avoid penalties that may be imposed under federal or state tax laws. This material is not an offer to sell or a solicitation of an offer to buy any securities.

Testimonials may not be representative of the experience of other customers and is no guarantee of future performance or success.  For more information about IL ABLE, call (888) 609-8683, or visit  to obtain Plan Disclosure Documents, which include investment objectives, risks, charges, expenses, and other important information about IL ABLE.