If you or a loved one uses an ABLE account (or has considered opening one), there are two important changes on the horizon for 2026—and they’re great news for many Arizona families.

1) Expanded Eligibility: Onset of Disability Age Increases to 46

Starting in 2026, the ABLE program will expand eligibility by increasing the required age of disability onset from 26 to 46.

That means many individuals who didn’t previously qualify—because their disability began after age 26—may now be eligible to open and benefit from an ABLE account. For families planning for long-term support, this could open the door to valuable savings options while helping preserve eligibility for certain public benefits.

2) Higher Annual Contribution Limit: $20,000

Also beginning in 2026, the standard annual contribution limit is set to increase from $19,000 to $20,000.

While $1,000 might not sound like a huge jump, higher limits can make a meaningful difference over time—especially for families consistently contributing toward disability-related expenses and future planning goals.

Why This Matters for Special Needs Planning

ABLE accounts can be a powerful tool, but they’re just one piece of the puzzle. The “right” plan often depends on factors like public benefits, caregiving plans, housing, and whether a special needs trust should be part of the strategy. With these 2026 changes, it may be a smart time to revisit an existing plan—or explore options you previously thought weren’t available.

Have Questions? We’re Here for Arizona Families.

If you’re in Arizona and have questions about ABLE accounts, special needs trusts, or special needs planning generally, call to schedule a consultation so we can talk through your goals and build a plan that protects your loved one and your peace of mind. We would be glad to help.