ABLE eligibility expands on January 1, 2026

Beginning January 1, 2026, ABLE eligibility is expanding to include people whose disability began before the age of 46, instead of 26. This means millions more Americans will have a new path to financial independence. As a current saver, you know the power of saving and investing with NJ ABLE. Spread the word about ABLE account benefits:

• Tax-deferred earnings and tax-free withdrawals for qualified expenses 1*
• • No impact on critical government benefits 2*
• • Flexible investment options to meet savings goals
• • Complements other financial tools

Make the Holidays More Meaningful

Ugift® is a free feature that makes it easy for family and friends to contribute directly to an ABLE account. Gift givers can go to http://www.ugiftable.com/ to contribute using the account owner’s unique Ugift code. Log in to your account to find and share your code.

Go to NJ ABLE, call (888) 609-8869, Monday - Friday, 8:00 am - 5:00 pm ET, or Email: [email protected] to learn more.

Read important disclosures and product information

1* The earnings portion of a non-qualified withdrawal will be counted as income, taxed at the account owner’s tax rate, and subject to a 10% federal tax penalty and any applicable state taxes.

2* The first $100,000 in an ABLE account is excluded from the SSI resource limit.

Ugift® is a registered service mark.