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MEDICAL SERVICES POLICY MANUAL, SECTION E

E-620 Eligibility Factors

E-620 Eligibility Factors MS Manual 07/01/2026

The designated beneficiary is the eligible individual who established and owns the ABLE account. To be an eligible individual, the individual must be:

a. eligible for Supplemental Security Income (SSI) based on either disability or blindness that began before age forty-six (46); or b. entitled to disability insurance benefits, childhood disability benefits, or disabled widow’s or widower’s benefits based on either disability or blindness that began before age forty-six (46); or c. someone who has certified, or whose parent or guardian has certified, that he or she:

• has a medically determinable physical or mental impairment meeting certain statutorily specified criteria: or, • is blind; and, • the disability or blindness occurred before age forty-six (46). Those applicants applying for benefits under option C above must provide with their ABLE application packet a copy of a statement signed by a physician that includes the individual’s diagnosis relating to the individual’s relevant physical or mental impairment/s.

E-630 Contributions MS Manual 12/01/19 A contribution is the deposit of cash funds into an ABLE account. Any person can contribute to an ABLE account. A contributing “person” may be an individual, trust, estate, partnership, association, company, or corporation. However, the Internal Revenue Service (IRS) limits the total annual contributions that any ABLE account can receive from all sources to the amount of the per-donee gift-tax exclusion in effect for a given calendar year. The amount of the gift-tax exclusion can be found in IRS Publication 559. (MS Appendix R)