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Achieving a Better Life Experience (ABLE) account
Purpose: This section describes the Achieving a Better Life Experience Act of 2014 (the ABLE Act) and its interaction with the Medicaid program. The establishment and use of an ABLE account enables certain individuals with disabilities to save money in tax-advantaged accounts, which they can later use for meeting their disability-related needs without affecting their Medicaid coverage.
ABLE – eligibility and qualified disability expenses (QDEs)
The ABLE program that administers the program is responsible for facilitating an accurate determination of eligibility for an ABLE account. They also are involved in the process of the account holder’s use of funds in an ABLE account for qualified disability expenses (QDEs). Eligibility staff are not responsible for obtaining documentation of a client’s ABLE account, and will not monitor them for potential impact(s) on eligibility. If it becomes known that a client did not use funds withdrawn from their ABLE account for a QDE, the value amount is not counted retroactively. It would be counted only if it is anticipated and after advance notice could be given. There is no requirement that the client provide a copy of their ABLE account for the determination or renewal for eligibility. If one is received, see information on notifying the Office of Financial Recovery below.
Notifying the Office of Financial Recovery (OFR)
Should staff receive a copy of a client’s ABLE account, notify Ken Washington of OFR via a Barcode tickler when any ABLE Account is imaged in the electronic case record. Set up the following DMS tickler:
- Document type for tickler: TD
- Subject: ABLE account
- Site: 101
- User: WAKE
- Ready date: Default date is fine
Make sure the ABLE account is indicated on the appropriate person’s resource screen in ACES. Add in the remarks that OFR has been notified of the account in the ECR. An ABLE account is an excluded resource, but if the state files a claim, any amount remaining in the account is subject to estate recovery.
More information can be found on the Washington State ABLE Savings Plan website.