Eligibility
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Who can have an account?
To be eligible for a STABLE account through WVABLE, you or the beneficiary must:
Be a resident of West Virginia;
Be blind or have a medically determinable physical or mental impairment that results in marked and severe functional limitations, and such condition developed before the age of 26 and will last, or has lasted, at least a year; and
Confirm one of the following:
Are eligible for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) because of a disability;
Have a condition listed on the Social Security Administration’s "List of Compassionate Allowances Conditions";
Experience blindness as determined by the Social Security Act; or
Has received, and can provide if requested, a signed diagnosis of the qualifying disability from a licensed physician.
In 2022, the U.S. Congress passed the ABLE Age Adjustment Act. This legislation increases the age of onset for a qualifying disability from age 26 to age 46, opening the door for many more people to qualify for ABLE accounts.
How can I open an account?
If you or the beneficiary are over the age of 18 and can manage your own account, go ahead, and get started.
If you’re the Authorized Legal Representative (ALR), you can open an account if you can attest that you have been selected by the eligible beneficiary with legal capacity; have Power of Attorney; are a conservator or legal guardian; are a spouse, parent, sibling, grandparent; or are a representative payee (individual or organization), in that order of priority.
Not sure if you qualify as an ALR? Learn more.