It is important to understand that not all individuals with disabilities will be eligible to open an ABLE account. The following questions can help determine eligibility for an account with the ABLE ME program:
 
  • Is the individual a Maine resident?
  • Was the individual’s disability present before age 26?
  • Does the individual:
    • Currently receive benefits under SSI and/or SSDI, or is eligible to but is not currently, purely due to resource limitations?  
         - OR -  ​
    • Meet Social Security’s definition and criteria regarding significant functional limitations and have a letter of certification from a licensed physician (ex: MD, DO)?


    If the answers to the above questions are all “yes”, and the individual does not currently have an existing ABLE account open with the ABLE ME Program or another ABLE account provider, they may be eligible for a Maine ABLE Benefit Checking Account.