Is Your Disability Employee Resource Group Ready to Share IL ABLE?
Corporate disability employee resource groups can play an important role in helping employees learn about workplace resources, financial wellness and disability inclusion. With the expansion of ABLE account eligibility, more employees with disabilities may now qualify to open a tax-advantaged IL ABLE Account.
As of January 1, 2026, a person may be eligible for an ABLE account if the onset of their disability occurred before age 46. The disability does not need to have been diagnosed before age 46, but the individual must meet additional eligibility requirements.
Sharing IL ABLE with Illinois Employers
The IL ABLE team shared information about the eligibility expansion with hundreds of employers, corporate representatives and employees at the 2025 Disability:IN Chicagoland Disability Inclusion Opportunity Summit. McDonald’s hosted the October event.
The summit brought together businesses and disability inclusion leaders to discuss accessible workplaces, inclusive employment and opportunities to support employees with disabilities.
How an IL ABLE Account Can Support Working Employees
An IL ABLE Account helps eligible people with disabilities save and invest for qualified disability expenses while helping protect eligibility for certain means-tested public benefits.
Qualified disability expenses may include housing, transportation, education, health care, employment support, assistive technology and other expenses related to the Account Owner’s health, independence or quality of life.
An IL ABLE Account can complement workplace retirement savings by providing greater flexibility for current and future disability-related expenses. Account Owners direct how their money is saved or invested and may withdraw funds for qualified expenses without waiting until retirement.
Additional Contributions for Eligible Workers
Under the federal ABLE to Work provision, some employed Account Owners may contribute more than the standard annual contribution limit. Eligibility for the additional contribution depends on the Account Owner’s earnings and participation in certain employer-sponsored retirement plans.
Learn how ABLE to Work contributions support employed Account Owners.
Illinois Income Tax Deduction
Illinois taxpayers who contribute to an IL ABLE Account may qualify for a state income tax deduction of up to $10,000 for individual filers or $20,000 for married couples filing jointly.
Request an IL ABLE Presentation
Would your company, human resources team or disability employee resource group benefit from an IL ABLE webinar or presentation? Email the IL ABLE team at able@illinoistreasurer.gov to discuss presentation opportunities.
Learn more about Disability:IN Chicagoland, a by-business, for-business network dedicated to disability inclusion in the workplace.
Explore IL ABLE Resources
Learn what an IL ABLE disability savings account is, who is eligible, how to open an Account and how it can help eligible people save for qualified disability expenses.
- Learn about IL ABLE disability savings accounts
- Review IL ABLE eligibility requirements
- Read the IL ABLE Plan Disclosure Booklet (PDF)
- Compare IL ABLE investment options
- Open an IL ABLE Account
- Email rlaudani@illinoistreasurer.gov to request an IL ABLE presentation for a community group or nonprofit organization.
For account assistance, call IL ABLE Customer Service at 888-609-8683, Monday through Friday from 8 a.m. to 5 p.m. Central time, or email il.clientservice@savewithable.com. Support is available in multiple languages and for callers who are deaf or hard of hearing.