Plain-language guides to ABLE accounts, disability benefits, Special Needs Trusts, and everyday money management — for people with disabilities and the families who love them.
Save money without losing your benefits. Everything you need to know about ABLE accounts.
Benefits navigationSSI, SSDI, Medicaid, and the benefit cliff — explained in plain language.
Planning toolsSpecial Needs Trusts, letters of intent, and long-term financial planning for families.
Everyday moneyBudgeting, banking, and building financial stability on a fixed or variable income.
The ABLE to Work provision lets employed ABLE account holders contribute beyond the standard annual limit — potentially doubling how much they can save in a year. Most people who qualify have never heard of it.
SSI has a $2,000 resource limit for individuals. Most bank account balances count toward that limit — but some don't. Here's what's countable, what's excluded, and what to look for in a bank account.
The benefit cliff is the point at which earning more income causes a person to lose more in benefits than they gained in wages. Here's how it works, why it happens, and what tools exist to help.