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Contribution Methods

Any person, including your friends, family, corporation, trust or other legal entity may contribute to your IAble account. From writing a check to rollovers from an existing 529 plan, we offer a variety of contribution methods to choose from.

  • Check

  • Wire transfer

  • Payroll direct deposit

  • Recurring contributions

  • Rollover from a 529 plan1


ABLE to Work

IAble account owners who earn income may contribute additional funds beyond the annual $16,000 contribution limit. The additional annual contribution amount is equal to the federal poverty level for a one-person household ($12,880 in 2021) or the account owner's gross wages, whichever is less. Working account owners are not eligible to contribute the additional funds if they are already contributing to:

  • a defined contribution plan

  • an annuity contract

  • an eligible deferred compensation plan

Account owners should keep adequate records to ensure the limit is not exceeded. Any increase in contributions could impact tax obligations. Consult a tax advisor before making any such increase. If you are eligible, fill out the Self Certification form (PDF). For more information, view the ABLE to Work federal guidelines


1The amount that may be rolled over from a 529 Plan in any year, when combined with any other contributions made to your Account in the same year, cannot exceed the Annual Contribution Limit. Under current federal law, this feature will only be available until January 1, 2026. Consider consulting with a tax or investment professional to determine the tax applicability to your scenario
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