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Presented by: Tanya Rutner Hartman, Ohio Treasurer’s Office

What is a STABLE account?

A free account that allows individuals with developmental disabilities to save and invest money, without losing government benefits.

What are the benefits of a STABLE account?

STABLE accounts offer financial independence for people with disabilities. The account allows individuals to save and invest up to $14,000 per year without losing government benefits, like Medicaid or SSI.

Who can have a STABLE account?

Individuals who have or develop a disability before the age of 26 may be eligible to open an account.

You can take the Eligibility Quiz to see if you qualify, or to check whether someone you know qualifies.

How do I open an account?

You can enroll and open an account online. It is free and takes about 20 minutes. You must deposit at least $50.00 to open an account, and you may need your parent, guardian, or power of attorney with you.

How do I contribute to my STABLE account?

You can deposit a cash or check into your account.

You can deposit up to $14,000 annually and $406,000 over your lifetime.

How does saving work?

You can place your money in up to five different saving and investment options. Any investment earnings will be tax-free when used to pay for qualified expenses.

Can I spend the money in my STABLE account?

Yes, spending your money is easy and free. You can use it to pay for qualified expenses, which include:

  • Basic living expenses

  • Anything related to your disability

  • Housing

  • Transportation

  • Employment training

  • Education

  • Health & wellness

  • Financial management

  • Legal fees

How do I pay for these things through my STABLE account?

You can transfer your STABLE account fund to a STABLE card or your personal bank account.

What’s the STABLE card?

The STABLE card is a loadable credit card that allows you to track your spending online and protects your funds.

For more information about STABLE accounts, visit or call 1-800-439-1653, Monday – Friday between 9am and 6pm.


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