30 East Broad Street, Columbus, OH, USA
30 East Broad Street Columbus Ohio 43215 US
What is a STABLE Account?
A STABLE account is for individuals with disabilities to invest. These accounts allow people to save and invest their money without losing eligibility for different public benefits programs
These accounts are similar to bank accounts, but they do not have a checking or savings. They act as investment accounts similar to 401(l) retirement accounts. When money is deposited into a STABLE account, the individual chooses which options they would like their money invested in. This account allows an individual to save for long-term disability expenses while also still allowing the individual to withdraw and spend from the account whenever needed.
Who can participate?
Individuals with either mental or physical disabilities are able to open a STABLE Account.
The individual had to have developed their disability before the age of 26 to qualify.
They had to been living with their disability for at least one year or expect to have it for more than one year.
In addition they must meet one of these criteria:
  • Be entitled to Supplemental Security Income (SSI) because of their disability;
  • Be entitled to Social Security Disability Insurance (SSDI) because of their disability;
  • Have a condition listed on the Social Security Administration’s List of Compassionate Allowances Conditions; or
  • Be able to “self-certify” their disability and diagnosis (see details below) when opening a STABLE account.

What is the cost?

You can set up an account online for free. There is an initial contribution of at minimum of $50 to start the account.

Per month it cost the participant $2.50 to maintain their account.

What are the COVID operations like?

Currently they are trying to keep all participants  up to date with the coming stimulus payments from the Federal governments. They also want to help provide information on how those with a STABLE account are using their stimulus payments to help meet their needs.

All operations are virtual and participants can be assisted through the phone or using their email.

 

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