www.calable.ca.gov


CalABLE Savings Account

Save and invest tax free

Both the earnings from your CalABLE account and withdrawals used to pay for qualified expenses are tax free. Any money added to the account could qualify for a state income tax deduction, which means you’ll have even more saved for the future.

Get more of the things you need

When you open an account, you won’t lose your state or federal disability or Medicaid benefits. Your CalABLE account can help you supplement your current benefits with a way to save for qualified expenses. 

If you’re receiving Supplemental Security Income (SSI), you can have up to $100,000 in the account without it counting towards the $2,000 asset limit. If you choose to fund your account beyond the $100,000 limit, your SSI benefits will be suspended, but you’ll still be eligible for all other benefits (such as Medicaid). 

Learn about the $2,000 asset limit ( opens in a new window )

No impact on Medicaid benefits

The money in your CalABLE account will not affect your eligibility for Medicaid benefits. For more information, please see this helpful guide from the Centers for Medicare & Medicaid Services.

Guide from the Centers for Medicare & Medicaid Services ( opens in a new window )

Your account is protected

California residents with a CalABLE account are protected from both creditors and repayment of medical assistance. In certain situations, Medi-Cal is prohibited from filing a claim against an account after the beneficiary has died, giving individuals the full opportunity to leave a legacy for loved ones. For more information about Medi-Cal recovery, please refer to the CalABLE Disclosure Statement (PDF)( opens in a new window ).

CalABLE Disclosure Statement ( opens in a new window )

Get more of the things you need

The money in your account can be used for a variety of expenses, like housing and rent. Qualified expenses are geared toward improving health, independence, and quality of life.

Qualified expenses

Enjoy the benefits of the ABLE Visa® Card

The ABLE Visa Card is available to everyone with a CalABLE account and lets you choose a specific amount of money to load onto your card, which can help better control budgets and plan for your qualified disability expenses.Learn more about the ABLE Visa Card


CALL 833-Cal-ABLE (833-225-2253) for more information.