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Save for Expenses. Achieve Greater Independence.

IL ABLE Accounts make it possible for eligible people with disabilities and their families to save and invest for expenses related to living with a disability without losing, or losing access to, federal means-tested benefits such as SSI, SSDI and Medicaid.  Earnings and withdrawals are tax-free if they are spent on a broad range of Qualified Disability Expenses including housing, health and wellness, education and training, therapy, basic living expenses and more.


  • IL ABLE Account Owners who receive SSI benefits can exceed the $2000 asset cap without losing benefits
  • High-quality Investment Options that fit your goals and comfort level
  • Popular Checking Account Option with a real-time debit card
  • Low fees
  • Great tax benefits:  Illinois taxpayers can make a tax-deductible contribution to any IL ABLE Account: up to $10,000 for individual filers and $20,000 for those filing jointly


IL ABLE Accounts solve a long-time predicament that many people with disabilities face – how to build financial wellness without risking much-needed federal government benefits.


Illinois leads the National ABLE Alliance, an 19-member consortium that represents more than one-quarter of the nation’s ABLE-eligible population and offers a best-in-class ABLE program to people with disabilities anywhere in the country.


Button to click to sign up for an ABLE account

Find answers to common questions by visiting our IL ABLE Frequently Asked Questions.


Read the Plan Disclosure Booklet for detailed information about the Plan.


For more information or to open your IL ABLE Account visit or call 888-609-8683.


The Illinois Achieving a Better Life Experience (“IL ABLE”) plan is sponsored by the State of Illinois and administered by the Office of the Illinois State Treasurer (“Treasurer”). IL ABLE is designed to be a qualified ABLE plan offered as part of the National ABLE Alliance. Ascensus College Savings Recordkeeping Services, LLC, the Program Manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping, and administrative services for the IL ABLE plan.


Accounts in the IL ABLE plan are not guaranteed or insured by the State of Illinois, the Treasurer, the Trust, IL ABLE, the Program Manager, or any other entity (except as provided in the Plan Disclosure Booklet solely with respect to the FDIC-insured Checking Account Option) An Account Owner could lose money by investing in the IL ABLE plan. The Checking Account Option offers FDIC insurance up to $250,000, subject to certain restrictions. Interests in IL ABLE are municipal securities and the value of the account will vary with market conditions and the performance of the investment options you choose.


An investor should consider investment objectives, as well as the risks, charges, and expenses associated with an investment in the IL ABLE plan before investing. This and other important information is contained in the Plan Disclosure Booklet, which can be obtained at or by calling (888) 609-8683.  You should carefully read the Plan Disclosure Booklet before investing.


Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences. Participation in the IL ABLE plan does not guarantee that contributions and the investment return on contributions, if any, will be adequate to cover future expenses or that an Account Owner is eligible to participate in the IL ABLE plan.


Before investing in any ABLE plan, you should consider whether the state in which you reside and/or pay taxes offers an ABLE plan with favorable state tax incentives or other benefits that are only available through investment in that state's ABLE plan. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits, or any limitations, would apply to your specific circumstances.


This material is provided for general and educational purposes only, and is not intended to provide legal, tax, or investment advice or for use to avoid penalties that may be imposed under federal or state tax laws. This material is not an offer to sell or a solicitation of an offer to buy any securities.


Testimonials may not be representative of the experience of other customers as past performance or success is not a guarantee of future performance or success. 

Capitalized terms not otherwise defined in this statement have the meaning attributed to them in the Plan Disclosure Booklet.


Investments are not FDIC-Insured (except for the Checking Account Option). No Bank, State, or Federal Guarantee. May Lose Value