In 2026, the age limit for ABLE accounts will rise to 46.

Here’s what to know:Two online resources —

— can guide you through questions to determine if you or a friend or family member qualifies.Right now, ABLE accounts are for:— People whose disability began before age 26, and

— People for whom the disability is “terminal or long-term (more than 12 months)” and for whom the disability causes “marked and severe functional limitations.”A qualifying person must also meet one of the following criteria:

— Being eligible for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) because of the disability; or

— A doctor has diagnosed the disability (physical or mental).Here’s what to keep in mind:

About 72.5 million people, including retirees, disabled people and children, get Social Security benefits.The program is funded by taxes on income subject to Social Security payroll taxes. The government uses taxes from working people to pay benefits to people who have already retired, people who are disabled, the survivors of workers who have died, and

. In 2025, the Social Security payroll tax will be assessed on the first $176,100 of income, up from $168,600 this year, which spotlights the key numbers leading our coverage.