新的法律扩大了从2026年开始在46岁之前的残疾人享有可支配账户资格的范围。 New law expands ABLE account eligibility to those disabled before age 46, starting 2026.

从2026年1月1日起, “大美人法案”和其他法律的修改将扩大残疾人获得可支配账户、税收优惠储蓄计划的资格。 Changes in the "big beautiful bill" and other laws will expand eligibility for ABLE accounts, tax-advantaged savings plans for individuals with disabilities, starting January 1, 2026. 获得资格的年龄限制将从26岁提高到46岁,有可能使合格人数和总资产增加约50%。 The age limit for eligibility will rise from 26 to 46, potentially increasing the number of eligible people and the total assets by about 50%. 可用账户允许储蓄,但不影响医疗补助和社会保障残疾保险等政府福利,免税增长和免收合格费用。 ABLE accounts allow savings without impacting government benefits like Medicaid and Social Security Disability Insurance, with tax-free growth and withdrawals for qualifying expenses.