How to Get a Better Life With a ABLE Savings Account. Want to save a lot of money & not loose your benefits?
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1 How to Get a Better Life With a ABLE Savings Account Want to save a lot of money & not loose your benefits?
2 What are some ways to Save Money? Personal savings account Special needs trusts funds A 529 education savings plan
3 What is the ABLE Act? The ABLE Act is a new bill passed in It allows people with disabilities and their families to set up special savings accounts. You have to use the money to pay for expenses that have something to do with your disability. There are rules but basically you can save a lot of money and not loose you benefits.
4 Why is that important? Can anybody tell us what happens now to your SSI or Medicaid if you have more than $2,000? Has anyone ever had to go out and spend down money so you didn t get into trouble with social security? In 2016, that all change!
5 Purpose of ABLE Acounts It encourage families and people with disabilities to save money to live healthy and independent lives. Right now, the $2,000 savings limit discourages people from learning budgeting skills. It makes it hard to be independent.
6 Aren t there already services in place to help with these things? If you have an ABLE Account you will keep getting SSI or SSDI and Medicaid or Medicare. You can use the money you save in your ABLE account to pay bills or buy things you need because you have a disability.
7 How it works No matter which state you call home, you can open your ABLE account in any state with an active ABLE program. This website describes the accounts available. Choose the ABLE program that's right for you! You will not have to pay taxes on the money you save
8 The Details You can deposit up to $14,000 a year into your ABLE account. There is a limit. Total savings limit is $100,000 The account can be in your name!
9 Where can you get money to save in your ABLE account? Money you earn from working Money from your family Supplemental Security Income (SSI) Social Security Disability Insurance (SSDI) Where else?
10 Who is eligible? If you got your disability before turning age 26 AND you are a person who gets SSI or SSDI or you get a Disability certification from a Doctor. Eligibility is re-assessed every year.
11 How will an ABLE Account make our lives better? It will allow us and our families to save for our future. Some parents are afraid their son or daughter will loose benefits if they make a mistake when keeping track of their money. Having an ABLE account will make it easier. The ABLE account will really help working people with disabilities to get ahead and be more independent.
12 What can the money be used for? Housing Transportation Employment Support Health and Wellness Miscellaneous
13 The word used to describe what you can spend your savings on is called Qualified Disability Expenses Education Tuition for preschool through post-secondary education To take a class at a local community college Books Supplies Hire a Tutor
14 Housing Expenses for the house you live-in all the time Rent Purchase of a residence Mortgage payments Home improvements Making it accessible Maintenance and repairs Real property taxes Utility charges
15 Transportation To use of public transit To buy a car To make your van accessible Moving expenses
16 Employment Support Expenses to get and keep a job, including: Job training Assistive technology Paying for a job coach
17 Health and Wellness Payments for health insurance Doctor bills Medical equipment Therapy Respite care Appointments with a Nutrition Communication services and devices Adaptive equipment Assistive technology Personal assistance
18 Miscellaneous Expenses Support workers Paying someone to help you manage your money. Legal fees Funeral and burial expenses
19 Effects on eligibility Now if you do save more than $100,000 then your SSI or SSDI will stop. Eligibility for Medicaid is not affected.
20 Medicaid Payback Provision In the event a person dies with any remaining dollars in an ABLE account the money in the ABLE Account is first sent to any State Medicaid plan that provided medical assistance to that person.
21 Questions and Comments Any Questions?? Contact Green Mountain Self-Advocates Or Call
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