I cannot open an ABLE account if I am older than age 26.

False!  You can open your ABLE account after age 26 as long as the symptoms of your qualifying disability were present before age 26.   For example, let’s say you received a diagnosis of Bipolar Disorder at age 28 and you begin receiving SSI benefits.  As long as your physician certifies in writing that your mental health symptoms were present prior to age 26, you can open your ABLE account and begin using the funds you save for the expenses that come with having a disability.