About
STABLE Kentucky is Kentucky’s ABLE savings program, designed to help individuals with disabilities and their families save money for disability-related expenses while protecting eligibility for essential benefits like Medicaid and Supplemental Security Income (SSI).
Before ABLE programs existed, individuals with disabilities could not save more than $2,000 without risking critical supports. Since 2016, STABLE Kentucky has provided a secure, accessible, and tax-advantaged way to save for expenses related to disability, independence, and long-term financial planning.
Beginning January 1, 2026, several major enhancements will take effect, making STABLE Accounts more inclusive, more affordable, and more beneficial than ever.
Key Enhancements for 2026
Expanded Eligibility
Under the federal ABLE Age Adjustment Act, individuals whose disability began before age 46 (previously age 26) are now eligible to open a STABLE Account.
Permanent Enrollment Incentive
All new enrollees nationwide will receive a $25 enrollment grant once their account is funded.
No Account Maintenance Fees
Beginning with Q1 2026 account statements (available April 2026), STABLE Kentucky account holders will no longer be charged account maintenance fees.
Asset-based management (AUM) fees remain unchanged.
2026 Contribution & Program Limits
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Standard Annual Contribution: $20,000
-
ABLE to Work Additional Contribution: $15,650
-
Maximum Annual Contribution (if employed): $35,650
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Lifetime Contribution Maximum: $570,000
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Gift Tax Annual Exclusion: $19,000
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Age of Disability Onset: Before age 46
-
Residency Requirement: U.S. resident
Banking & Investment Options
- Fifth Third’s former
BankSafe savings product has been renamed the
Dynamic Rate Product, which Kentucky will continue to offer as the STABLE Savings Option.
- Multiple investment options remain available, allowing participants to choose strategies that best fit their goals.
Program Platform Enhancements (Vestwell)
Rolling out in late 2025 and early 2026:
- Updated ABLE Age Adjustment enrollment questions (effective January 1, 2026)
- Improved check withdrawal status tracking (by end of 2025)
-
Balance Growth Over Time feature launching Q1 2026 to help participants track progress
Marketing & Communications Updates
- Website and printed materials updated with 2026 changes beginning January 1, 2026
- New
STABLE Visa® Card artwork featured online and on individual and organizational ALR flyers
- Updated
2025 Tax Fact Sheet posted
How STABLE Kentucky Helps
STABLE Kentucky Accounts allow individuals with disabilities—and their families—to save for a wide range of
qualified disability expenses, including:
- Housing
- Education
- Healthcare
- Transportation
- Assistive technology
- Employment supports
- Financial and legal services
- Basic living expenses
Earnings grow
tax-free, and withdrawals remain
tax-free when used for qualified expenses. Accounts also offer flexible features similar to checking and investment accounts, including the optional
STABLE Card.
Become a STABLE Kentucky Ambassador
Are you passionate about expanding opportunities and financial empowerment for individuals with disabilities across the Commonwealth? Consider becoming a STABLE Kentucky Ambassador.
Our Ambassadors help promote STABLE Kentucky statewide by sharing resources, raising awareness, and connecting individuals and families to valuable tools that support independence and a stronger financial future. Some of our Ambassadors are STABLE account holders themselves, while others are advocates, professionals, or community members who are dedicated to supporting Kentuckians with disabilities.
If you’re interested in joining this mission, we’d love to hear from you.
Please reach out to Jordyn Pennington, Director of STABLE Kentucky, at
Jordyn.pennington@ky.gov for more information.
Together, we can make a meaningful impact across Kentucky.
Contact
For questions, outreach opportunities, or assistance opening an account, please contact:
Director, STABLE Kentucky
📧
Jordyn.Pennington@ky.gov