Is this a Qualified Disability Expense?
Search 150+ common expenses to see if they can be paid from an ABLE account. Every entry is tagged qualified, non-qualified, or "it depends," with a plain-language explanation and a citation to the underlying rule.
How to read the results
Qualified. Straightforward — this expense is covered under the ABLE statute (26 U.S.C. § 529A) and IRS Notice 2015-81. Withdrawal is tax-free federally and, in most states, state.
It depends. The expense is potentially qualified but the answer turns on facts and circumstances. Keep documentation showing the connection to the account holder's disability.
Not qualified. This expense is not covered. Withdrawal to pay it is subject to income tax plus a 10 percent penalty on the earnings portion.
Educational tool. Not tax or legal advice. For your specific situation, consult a benefits counselor (find a Community Work Incentives Coordinator at choosework.ssa.gov/findhelp), a tax professional familiar with 529A accounts, or your state ABLE program administrator.