SECURE Act 2.0 raised the ABLE account age-of-onset threshold from 26 to 46, effective in 2026. This means individuals whose qualifying disability began at any age up to and including 45 can now open an ABLE account, which lets them save for disability-related expenses on a tax-advantaged basis without losing public benefits. Previously, the disability had to have begun before age 26, which excluded many people with adult-onset conditions. This change substantially expands eligibility and helps give more families a tax-efficient way to save. A wealth advisor can help you determine whether an ABLE account fits your family’s planning needs.
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