Key Takeaways Expanded eligibility rules now allow people whose disabilities began before the age of 46 to open ABLE savings accounts.ABLE accounts allow tax-free growth and withdrawals for qualified disability expenses.Contribution limits remain capped annually, but working individuals without employer retirement plans may be able to contribute more. Starting this year, approximately 6 million more people with disabilities became eligible for ABLE accounts, a type of tax-advantaged account available to ...