FAQs
Answers at your fingertips
You can scroll through the FAQs, search, or click a category button to filter them.
- Benefits
- Contributions
- Eligibility
- General
- Gifting
- How it Works
- Linking Bank Accounts
- Opening an Account
- Prepaid Card
- Qualified Expenses
- Successors and Estates
- Tax Benefits
- What is ABLE to Work?
- The ABLE to Work Act, effective January 1, 2018, revised the Internal Revenue Code applicable to ABLE accounts to permit eligible employed beneficiaries to save more in their ABLE accounts. Over and above the standard Annual Contribution Limit ($19,000 for 2025), a working beneficiary is allowed to... Read more
- How do I make a gift contribution online?
- To contribute online, first make sure the recipient has set up their gifting page. Then, use their gifting page link to fill out the fields as directed—it’s just the usual stuff, like your name, address, the amount you want to contribute, the payment method you would like to use, and the occasion... Read more
- Who can send me gifts?
- Once you’ve set up your gifting page, anyone who has a link can contribute towards your goal. You can also give friends and family a Gift Form if they’d like to mail a check contribution. Keep in mind that gift contributions count toward your yearly contribution limit. So, if you’ve already reached... Read more
- What happens if the beneficiary is no longer eligible for an account?
- If a beneficiary no longer meets eligibility requirements, they no longer qualify to get an ABLE account and they (or their account manager) should sign into the account’s settings and update their eligibility. Their account will remain open and they can continue to use the account until the end of... Read more
- Can I open a new Hawai’i ABLE Savings Program account if my previous ABLE for ALL Savings Plan was closed?
-
Yes, log in to your closed account using your email and password, then find the “Create new account” link to get started.
- Who can open an ABLE account for an eligible beneficiary?
- An adult beneficiary with a qualifying disability can open and manage an ABLE account. If a beneficiary is under the age of 18 or unable to open an account on their own, they must have an Authorized Legal Representative (also known as an ALR) do it for them. An ALR must be anyone who is selected by... Read more
- Can I use ABLE funds to pay for a vacation?
-
Yes, a vacation does qualify as an eligible expense as long as it can help maintain or improve the health, independence, or quality of life of the person living with a disability.
- Can money in an ABLE account be recovered in a bankruptcy?
-
No. The Hawai’i ABLE Savings Program is protected from bankruptcy.
- Can I make direct deposits into an ABLE account?
- Users can contribute to their accounts using fast, secure direct deposits from either the Social Security Administration or their paycheck. Complete the setup process in three simple steps: Log in to your ABLE account and click on “Direct Deposit” on the Total Balance tile. Or, once logged in, go... Read more
