A way to save, invest, and pay for qualified disability expenses.

Eligible individuals can save up to $15,000 a year without endangering certain means-tested benefits critical to their health and well-being.

PNC Supports ABLEnow


What is ABLEnow?

An Achieving a Better Life Experience (ABLE) account is a tax-advantaged savings account for individuals with disabilities, providing a new way to save, invest, and pay for qualified disability expenses without jeopardizing eligibility for certain means-tested benefit programs.

PNC is dedicated to the financial inclusion of individuals with disabilities, and has teamed up with a national leader in 529 savings accounts to bring the ABLEnow program to life.

ABLEnow Features and Benefits


Available Nationwide

ABLEnow accounts are available nationwide to eligible U.S. citizens and legal residents, regardless of state residency. 

Works with Other Aid

Generally, you can have an ABLEnow account alongside other benefit programs, such as Medicaid and Supplemental Security Income (SSI)[1].



 ABLEnow accounts are designed to be flexible – easy to manage, easy to contribute to, and easy to use. You can pay for a range of qualified disability expenses[2] with your ABLEnow card at no additional cost.


Tax Advantaged Savings

Earnings grow free from federal taxes and distributions are tax-free, if funds are spent on qualified disability expenses[2] . Some states may offer state tax incentives.



ABLEnow is tailored to meet the needs of the disability community with an easy-to-use debit card for daily expenses, auto-sweep functionality for maximizing investment ease, and a gifting portal that allows family and friends to contribute. 



Who is Eligible?

Individuals who developed the onset of their disability before the age 26 may be eligible to open an ABLEnow account. Take the Eligibility Quiz to see if you or someone you know qualifies.

Additional ABLEnow Features

  • Customers receive a debit card at no additional cost.
  • Applications may only be opened online through ABLEnow's verified website
  • To see a full list of additional ABLEnow account features, click here: ABLEnow Account Features


About ABLEnow

For too long, people with disabilities could not save for the future out of fear of losing their benefits. Advocates fought hard to change this, resulting in the federal ABLE Act and the ABLEnow program.

ABLEnow accounts are made possible by the Stephen Beck Jr., Achieving a Better Life Experience (ABLE) Act of 2014, considered the most significant federal legislation to address the needs of persons with disabilities since the Americans with Disabilities Act. The ABLE Act authorized states to establish tax-advantaged savings programs for individuals with disabilities. 


Visit Official ABLEnow Website »


Frequently Asked Questions

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Important Legal Disclosures and Information

  1. There is a limit at which SSI is suspended, as well as a total monetary limit at which your account balance cannot exceed. To learn more about these restrictions, visit

  2. Qualified disability expenses: basic living expenses, health and wellness, housing, financial management, transportation, education and training, assistive technology, and legal fees. To learn about the full list of eligible services and products, visit

ABLEnow is offered by the Virginia College Savings Plan and supported by PNC in its role as custodian. Qualified ABLE programs offered by other states may provide their residents or taxpayers with state tax benefits that are not available through ABLEnow. If you are not a resident of Virginia, you should consider whether your home state offers its residents or taxpayers state tax advantages or benefits for investing in its qualified ABLE program before making an investment in ABLEnow.

ABLEnow is a registered trademark of the Virginia College Savings Plan.

PNC is a registered mark of The PNC Financial Services Group, Inc. ("PNC").

Bank deposit products and services are provided by PNC Bank, National Association, Member FDIC.



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