A Program of the Tennessee Department of Treasury · David H. Lillard, Jr., State Treasurer
Tennessee Achieving a Better Life Experience (ABLE TN) is a savings program designed to help Tennessee residents with disabilities put aside money to pay for qualified expenses.
An individual who has been diagnosed with a disability on or before age 26 and resides in Tennessee may qualify by meeting one of the following:
An individual not eligible to receive SSI or SSDI may qualify based upon an impairment found within one of the following lists:
Any written diagnosis used to qualify for an ABLE TN account must be retained by the Designated Beneficiary or the Designated Beneficiary’s Legal Representative and made available to ABLE TN or the IRS upon request.
Introducing the new ABLE Assist tool.
Answer some basic questions using our ABLE Assist tool and see whether you or the individual you represent may be eligible for an ABLE TN account.
Launch the ABLE Assist online tool
ABLE TN can help you plan and save for future expenses with benefits including:
*For ABLE TN account balances less than $100,000
A qualified disability expense is one that is related to the designated beneficiary’s blindness or disability.
Each person is unique and the needs of the individual can vary depending on the disability, circumstances and specific treatment.
View qualified expenses
An individual who has been diagnosed with a disability on or before age 26 may qualify.
Tax-free earnings. Low fees. No impact to federal benefits. Investment options. Easy to contribute.
A qualified expense is one that is related to the individual's disability.
Frequently Asked Questions about ABLE TN.
ABLE TN accounts provide the opportunity to save and invest with tax-free earnings to help participants maintain independence and quality of life.
For more information about the Program, refer to the Disclosure Brochure. The information contained throughout this website is subject to change at any time for any reason or based on guidance issued by the U.S. Department of Treasury and Social Security Administration. Consider all investment objectives, risks, charges, and expenses before investing in the Program. Non-Tennessee taxpayers and residents should determine whether their home state offers a qualified ABLE Program that provides state tax or other benefits to residents not available by investing in this Program.