Who is Eligible

Any individual who is a U.S. citizen or a legal resident, residing in any state, is eligible to own an IL ABLE Account if:

  • 1
    The onset (not necessarily diagnosis) of their disability occurred before the age of 26 (Beginning 2026, the onset of disability age requirement will increase to before age 46)
  • AND
  • 2
    At least one of the following is true:
    • The individual is currently receiving Social Security Disability Insurance (SSDI)
    • The individual is currently receiving, or is entitled to receive, Supplemental Security Income (SSI)
    • The individual has identified their condition on the Social Security Administration’s List of Compassionate Allowances Conditions, and can certify that the condition produced marked and severe functional limitations prior to age 26 (Beginning 2026, the onset of disability age requirement will increase to before age 46)
    • The individual can certify that they are blind, or they have a medically determinable physical or mental impairment that results in marked and severe functional limitations, can be expected to result in death; has lasted, or can be expected to last, for a continuous period of at least 12 months. In this case, the individual has a written diagnosis from a physician.

If an individual meets the requirements above, they can own an IL ABLE Account no matter their age. Please refer to the Plan Disclosure Booklet for all Plan requirements.

Note: Proof of eligibility is not required to open an Account. Eligible Individuals will self-certify, or an Authorized Individual will certify on an Eligible Individual's behalf during the enrollment process and re-certify annually. A record of the Eligible Individual's written diagnosis from a licensed physician, benefits verification letter and other relevant documents should be maintained on file.

Read the Plan Disclosure Booklet.