“I was a little unsure about doing everything online at first, but having the steps explained clearly made the whole process easier to understand.”
Maria T., North Carolina
Parent
Begin your path towards financial prosperity.
ABLE Disability Certification.
Access Your Future.
529ABLE is the fastest way to be evaluated for a qualifying disability so you can confidently open and invest in your ABLE account.
Doctor-led- 100% online
- HIPAA-secure
Licensed physicians
Carefully evaluate your medical records to determine if you meet eligible criteria
15,000+ disability exams
Completed by our experienced physicians
Tax-free 529A savings
Allows your money to grow tax-free and can be spent on flexible expense categories
Secure your benefits quickly and correctly
We send your completed form in two days while seeing your doctor could take months
Your signed form in 4 easy steps.
1Sign up & Pay
You'll create a HIPAA compliant Better Practice account. Pay a flat fee.
2Upload your records
Add your medical records to your secure portal. We’ll tell you exactly what’s needed.
3Meet your Doctor
You may be asked to meet by video or phone call in case the doctor needs more information.
4Get your signed form
If you have a qualifying disability we will send you a signed ABLE certification.
HIPAA-compliant. Fully encrypted. Viewed only by your doctor.
Your ABLE account savings add up. Years of tax-free growth. Yearly Federal Saver's Credit and Income-tax deductions.
An ABLE account lets you save and invest without losing your SSI/SSDI benefits.
Save more, tax-free
Put away up to $20,000 a year. With ABLE to Work, an account owner who is employed may make additional contributions of $15,560. Savings grow free from federal and state taxes.
Keep your benefits
An ABLE account lets you save up to $500,000, while remaining eligible for government benefits so long as the account does not exceed $100,000.
Flexible spending
Withdrawing fund at any time on flexible everyday expenses — housing and car payments, healthcare, education, assistive technology and much more.
Am I eligible for an ABLE account?
If you have qualified disability that began before age 46.
Do You Require Physician Certification?
If you currently receive SSI/SSDI based on disability or you are a 100% disabled veteran, than you do not require certification.
Your path to an ABLE account
- 1
Get certified
We do thisOur physician reviews your records and signs your certification, within 2 business days.
- 2
Open your account
Online, with the state ABLE plan you choose. You can pick any state’s plan.
- 3
Save and spend tax-free
On housing, transportation, health care, education and everyday living expensing
At time of opening your ABLE account you must certify that you have a qualifying disability that began before age 46 and that you retain a copy of a disability certification, signed by a physician. You are not required to show a medical certification of disability at the time of opening your ABLE account however disability certification may be requested through an audit. You are required to keep the disability certification on file.
Your path to a fully documented ABLE account
- 1
Open your account
You have thisYou’ve opened your ABLE account and self-certified your eligibility.
- 2
Get documented
We do thisOur physician reviews your records and signs the certification that backs up your eligibility.
- 3
Save with peace of mind
Keep the signed certification on file and keep saving tax-free!
Most ABLE accounts are opened with self-certification. A signed physician certification is the proof to keep on file.
Why choose 529ABLE?
Quickly unlock the power of an ABLE account.
One flat fee · No hidden costs
$189
Doctor video visit- Records review by a licensed physician
- Signed ABLE disability certification
- Secure eligibility file
- Help from our care team until you’re done
Secure checkoutOur promise: You'll receive an impartial, objective determination.
If we need more information after reviewing your records, we will provide you with instructions and 60 days for a redetermination.
Real physicians. A real evaluation.
Every case is reviewed by a licensed physician according to ABLE disability criteria. Your certification holds up when it matters.
Your doctor said no? We can help.
Doctors don't like doing paperwork and don't understand ABLE disability criteria. We do. Our experts have decades of disability evaluation experience, provide you a 2 business day turnaround time, all from the comfort of our home.
Disability started years ago? That’s OK.
What matters is that your disability began before age 46. We use your records and history to document when it started, even if it was decades ago.
Covered if your plan or the IRS asks.
You keep a signed certification and a secure eligibility file, so your documentation is ready if your state plan or the IRS ever asks for proof.
What’s inside your signed certification.
Everything your ABLE plan looks for, written and signed by a licensed physician.
Your diagnosis, with medical codes: stated clearly, with the ICD codes your plan expects.
When it started: documented onset before age 46, based on your records.
How it affects your daily life: the functional limitations the federal ABLE criteria require.
How long it’s expected to last: confirmation that it has lasted, or will last, 12 months or more.
Physician signature and license: signed by a licensed physician, with their credentials.
Who can be eligible
Could you qualify?
Probably more than you think.
ABLE isn’t only for visible disabilities. What matters is how your condition affects your life, not the label.
Carlos, 52
“I thought my VA rating was enough, or that I needed SSDI first. I didn’t. My VA records were enough.”
What Carlos thought
My VA rating qualifies me automatically- I need an SSDI decision first
- I’d need an office visit
- It would take months
What actually happened
- His VA and medical records were enough
- Our physician reviewed and signed
- Everything happened online
- Signed form in about 2 weeks
Result
Opened an ABLE account. His VA benefits stayed the same.
You may qualify if
Your condition started before age 46 and significantly affects your daily life, even if it began decades ago. No SSI, SSDI or VA rating needed.
Maya, 34
“I didn’t look disabled, so I assumed ABLE wasn’t for me. It turns out what counts is how it affects my day.”
What Maya thought
- It has to be a visible disability
- Chronic illness doesn’t count
- I’d need to be on SSI first
- My good days would count against me
What actually happened
- Her records showed the daily limits
- Our physician looked at her whole picture
- Everything happened online
- Signed form in about 2 weeks
Result
Opened an ABLE account and now saves for treatment tax-free.
You may qualify if
Conditions you can’t see count too, when they significantly limit your daily life and started before age 46.
Daniel, 41
“I was told I was too old for ABLE. Then the rules changed in 2026, and now I qualify.”
What Daniel thought
- ABLE is only if it started before 26
- I’m too old to open an account
- I already missed my chance
- The paperwork would be complicated
What actually happened
- The onset age rose to 46 in 2026
- His condition began at 38
- Our physician documented when it started
- Signed form in about 2 weeks
Result
Opened his first ABLE account at 41.
You may qualify if
Since January 2026, your disability can have started before age 46, up from 26. Many more people now qualify.
Linda, 63
“I’m his mom, not a lawyer. I didn’t know I could set this up for him from home.”
What Linda thought
- Only Sam could apply himself
- We’d need a lawyer
- Savings could cost him his SSI
- It would mean endless appointments
What actually happened
- Linda handled it on Sam’s behalf
- Our physician reviewed Sam’s records
- Everything happened online
- Signed form in about 2 weeks
Result
Sam has an ABLE account, and his SSI stayed in place.
You may qualify if
You’re a parent, guardian or caregiver helping a loved one whose disability started before age 46. You can get them certified on their behalf.
Rosa, 45
“I self-certified when I opened my account. I didn’t know I should keep proof from a doctor.”
What Rosa thought
- Self-certifying was enough forever
- No one would ever ask for proof
- Her account was fully documented
- It was too late to fix
What actually happened
- Our physician reviewed her records
- She got a signed certification
- Her eligibility file is stored securely
- Ready if her plan or the IRS asks
Result
Her existing ABLE account is now fully documented.
This is for you if
You already have an ABLE account and self-certified when you opened it. A physician’s signed certification keeps your documentation complete.
Getting your ABLE form signed:
your doctor vs. 529Able
 Your regular doctor |  | |
|---|---|---|
| Waiting time | Often weeks with chasing | Signed in about 2 weeks on average |
| Visit | In person: time off work, travel, copay | From home, 100% online |
| Record review | Not part of most practices’ routine | We’re specialized in this |
| ABLE knowledge | Most doctors haven’t worked with ABLE | Focused only on ABLE eligibility |
| Price | Visit, copay, often a form fee | $189 flat, we guide you to the finish |
| What you receive | Signed form | Signed form plus a complete eligibility file |
For professionals and partners.
Refer clients who need physician disability documentation. We handle the rest.
Health systems & practices
Special-needs attorneys
CPAs & tax professionals
Employers
Physicians
Financial planners
Benefits counselors
Financial institutions
Families trust us with the paperwork that matters.
“It was helpful to know what information I needed and what to expect next. I appreciated having a clear process instead of trying to figure everything out on my own.”
James R., Michigan
Caregiver
“I had questions about the requirements and wanted to make sure I understood everything before getting started. The information provided helped me understand the steps involved.”
Linda K., Washington
Parent
“I was concerned about how the process would work online, but knowing what to expect at each step made it feel much less complicated.”
Robert M., North Carolina
Applicant
“I wasn’t sure what the first step should be, so having the process laid out clearly was useful. It gave me a better understanding of what I needed to do next.”
David P., Michigan
Caregiver
Real medical doctors behind every evaluation.
Licensed physicianFounder & Medical Director
Dr. Jordan Orley, MD, MPH
Final-year resident in Occupational & Environmental Medicine at UTHealth Houston. For a decade he has evaluated over 15,000 veterans across 20 states as an independent medical examiner. He founded 529ABLE to give people fast, caring and affordable disability evaluations.
15,000+
Veterans evaluated
3
States
15+ yrs
Disability exams
Get your ABLE verification today.
Frequently asked questions.
Can’t find your answer?
Our care team replies within 1 business day.
What service do you provide?
Our physicians confirm your qualifying disability, and how much it limits you, began before age 46. You receive the paperwork for your records once approved.
Why is this paperwork important?
If you open an ABLE account without an SSI or SSDI award, you certify your eligibility yourself. A signed physician statement is the record you keep in case you’re ever asked to prove it.
How does the evaluation work?
You book and pay online, talk to a physician on a short video call, upload the records we ask for, and the doctor reviews your case and signs your form.
Will I need to be verified more than once?
Usually no. Most people need one signed statement. Keep a copy with your records in case your ABLE program asks for it.
Do I need an office visit?
No. Everything happens online: booking, the video call, uploading records and receiving your signed form.
Is my information private?
Yes. Your records are stored in a HIPAA-secure portal and are seen only by your doctor and care team.
Who qualifies for an ABLE account?
People with a significant disability that began before age 46. Since January 2026 the onset age is 46, up from 26.
Do I need SSI or SSDI to qualify?
No. Without an SSI or SSDI award you can still qualify with a signed physician statement, which is exactly what we provide.
Which conditions qualify?
Conditions that cause marked and severe functional limitations, or blindness. Our physician reviews your records to confirm whether yours meets the criteria.
My disability started a long time ago. Can you still help?
Yes. That’s common. We review your older records and history to confirm when your condition began.
What is an ABLE account?
A tax-advantaged savings and investment account for people with disabilities. Earnings grow tax-free when spent on qualified disability expenses.
Will an ABLE account affect my benefits?
In most cases it protects them. The first $100,000 in an ABLE account doesn’t count toward the SSI resource limit, and ABLE savings don’t affect Medicaid eligibility.
How do I open one?
Online, through a state ABLE program. Many programs accept residents of any state. Our comparison tool helps you choose.
Can I open the account before getting verified?
Yes. You can verify before or after you open your account. The signed form is what keeps your account in good standing.
How much does it cost?
One flat fee, shown before you pay. It includes the doctor review and video call, your signed form, your eligibility file and the state comparison tool.
Are there any hidden fees?
No. The flat fee covers everything listed. Optional add-on services are priced separately and only if you choose them.
What if my disability can’t be verified?
We’ll tell you what’s missing so you can add it. If we still can’t verify your disability, your next evaluation is 50% off.
When do I pay?
When you book your video call. Payment and booking happen in one step through our secure checkout.