Open a Kansas ABLE Account and Invest in Your Future
For too long, people with disabilities were forced to make an impossible choice: save for the future or maintain access to the Medicaid and Supplemental Security Income (SSI) benefits they rely on.
The Stephen Beck Jr. Achieving a Better Life Experience (ABLE) Act changed that.
Today, eligible Kansans with disabilities can open a Kansas ABLE Savings Plan account to save and invest for the future while protecting eligibility for important public benefits like Medicaid and SSI.
An ABLE account is one of the most powerful financial tools available to people with disabilities. It allows your money to grow tax-free when used for qualified disability expenses—including housing, education, transportation, employment, healthcare, assistive technology, personal support services, and many everyday expenses that help you live independently.
Ready to Get Started Opening a Kansas ABLE Account?
Opening a Kansas ABLE account is easy and typically takes just 10–15 minutes online. Visit the Kansas ABLE Savings Plan to learn more, review investment options, and open an account today.
Learn About Kansas ABLE—From the Comfort of Home
Whether you're just hearing about ABLE accounts or are ready to open one, the Kansas ABLE Savings Plan offers free weekly virtual information sessions to help you get started.
These interactive online classes are designed for individuals with disabilities, family members, professionals, educators, service providers, and anyone interested in learning how an ABLE account can help build financial security while protecting important benefits like Medicaid and Supplemental Security Income (SSI).
During each session, you'll learn:
Who is eligible for a Kansas ABLE account
How ABLE accounts work and their tax advantages
What expenses ABLE funds can be used for
How ABLE accounts interact with Medicaid and SSI
How to open an account in just a few minutes
Answers to your questions from Kansas ABLE experts
Whether you're planning for education, employment, housing, healthcare, or everyday living expenses, these free virtual classes are a great first step toward building a stronger financial future.
Register today for an upcoming Kansas ABLE virtual class and discover how an ABLE account can help you save, invest, and achieve greater financial independence.
Kansas is Leading the Nation.
KCDD is proud to partner with the Kansas State Treasurer's Office, state agencies, disability organizations, schools, employers, and self-advocates to expand awareness and enrollment in Kansas ABLE accounts.
Together, we're working to ensure every eligible Kansan knows about this life-changing opportunity.
Kansas has become a national leader through innovative initiatives including:
Helping hundreds of individuals on the Kansas Intellectual and Developmental Disabilities (I/DD) Waiver Wait List open ABLE accounts while they wait for services.
Launching one of the nation's first statewide ABLE initiatives for children and youth with disabilities in foster care.
Educating new parents through Kansas' Born to Invest initiative so families learn about both 529 and ABLE savings opportunities from birth.
Partnering with employers, schools, financial institutions, and community organizations to increase financial independence for Kansans with disabilities.
These efforts are helping more Kansans save, invest, work, and plan for the future while preserving the benefits they depend on.
Why Open a Kansas ABLE Account?
A Kansas ABLE account can help you save for:
Accessible housing or rent
Education and job training
Transportation
Healthcare expenses
Assistive technology
Personal care and support services
Employment supports
Everyday living expenses
Financial emergencies
And much more
Whether you're saving for your first apartment, buying adaptive equipment, preparing for employment, or planning for long-term financial security, an ABLE account gives you greater flexibility and peace of mind.
Kansas ABLE Savings Plan Frequently Asked Questions
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A Kansas ABLE account is a tax-advantaged savings and investment account for eligible individuals with disabilities. It allows you to save and invest money for qualified disability expenses while maintaining eligibility for important public benefits such as Medicaid and Supplemental Security Income (SSI).
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Generally, individuals whose disability meets the Social Security Administration's definition of disability are eligible.
You do not have to receive SSI or SSDI to open an ABLE account.
Beginning January 1, 2026, eligibility expanded to include many individuals whose disability began before age 46, making millions more Americans—including thousands of Kansans—eligible.
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Opening an account usually takes about 10–15 minutes.
You'll generally need:
Your name, address, and date of birth
Your Social Security number or Taxpayer Identification Number (TIN)
A government-issued photo ID
Information confirming your disability eligibility
A bank account, debit card, or other payment method for your first contribution
If someone else is opening or managing the account for you, additional documentation may be required.
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ABLE funds can be used for Qualified Disability Expenses that improve health, independence, or quality of life, including:
Housing and rent
Education
Employment supports
Transportation
Healthcare
Assistive technology
Personal support services
Financial management
Basic living expenses
Many other disability-related needs
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Generally, no.
Money in an ABLE account does not count toward Medicaid eligibility.
For SSI recipients, up to $100,000 in an ABLE account is excluded from the SSI resource limit (this exclusion does not apply to SSDI because SSDI has no asset limit).
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Anyone can contribute, including:
You
Parents
Grandparents
Family members
Friends
Employers
Community organizations
Contributions are subject to annual federal contribution limits.
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Yes!
ABLE accounts were designed to encourage employment and financial independence.
If you work, you may also qualify to contribute additional earnings beyond the annual contribution limit through the ABLE to Work provisions.
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KCDD encourages Kansans to start by exploring the Kansas ABLE Savings Plan.
Kansas residents may be eligible for state-specific benefits and resources that aren't available through other state programs. While many state ABLE programs accept out-of-state residents, starting with your home state's program is usually the best place to begin.
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An ABLE account gives people with disabilities greater financial freedom.
It allows you to save for your future, pursue employment, build assets, and prepare for life's opportunities—without sacrificing the Medicaid and SSI benefits that help you live independently.
Whether you're saving for a home, education, transportation, assistive technology, or unexpected expenses, a Kansas ABLE account is one of the smartest investments you can make in your future.