So there is a bill that just the passed the House and on the way to the Senate floor. It would allow disabled people to save money like over the current amount of $2000. I think it is awesome as most of us live in poverty and get extra help from family if we have any. It is a long time coming as I would love to  be able to save money for my future and my son's future. At this time I am unable to because it will jeopardize my Social Security benefits. So I basically live in poverty, well below the that since the most I make a year is $8,500. Which cover my living expenses and that's about it. It lives very little money are the end of the month to do anything. I am lucky that I have family that help me out when needed. The new law will allow people with disabilities to open special accounts where they can save up to $100,000 without risking eligibility for Social Security and other government programs. What’s more, individuals can keep their Medicaid coverage no matter how much money is accrued in an ABLE account. Modeled after 529 college savings plans, interest earned on savings will be tax-free. Funds accrued in the accounts can be used to pay for education, health care, transportation, housing and other expenses. To be eligible, individuals must have a condition that occurred before age 26 and each person may only open one ABLE account. Under current gift-tax limitations, as much as $14,000 could be deposited annually. Ok, so I can do it but what about the ones who become disabled after age 26. It looks like this bill needs to be adjusted to include all disabled people. Saving up to $100,000 is not going to last anyone if they have severe medical issues. Oh yeah what they didn't say is that if the person who does this and dies the money in the account goes to the government. So if I did one and my family put money into and I died they wouldn't get any of the money that they gave me back.  A person cannot will the money to anybody. There are also restrictions on what the money can be spent on. So I can't will the money to my only child who also is disabled and the government will take any money that is in the account. No Thanks, I will continue to leave in poverty, so the little money I have will for sure go to my son. This only applies to people on SSI NOT to people on SSDI. If you get over $733 a month for 2015, you receive SSI, not SSDI. People who worked and paid FICA taxes into the Social Security retirement and disability program are potentially eligible for SSDI if they have enough work credits and their work credits haven’t expired. If they don't qualify for SSDI, they can apply for SSI instead. Someone who gets SSDI can have any amount of money in resources with no problem. It’s only people on SSI who always had a $2,000 resource limit and now those on SSI who became disabled before age 26 can open an ABLE account and have up to $100,000 in it. Do you research before decide on doing one of these accounts, because it can and will affect you for the rest of your life.