An eligible beneficiary who’s at least 18 years old can open their own ABLE account.
If a beneficiary is under the age of 18, a Power of Attorney or legal guardian can open and manage an ABLE account for them as their Authorized Legal Representative. An ALR is anyone who has Power of Attorney, or is the parent or legal guardian of an eligible beneficiary (if there is no Power of Attorney). Learn more about the role of an ALR.
Alternatively, a Social Security Representative Payee who has Power of Attorney can qualify as an ALR and can open an account for an eligible beneficiary. Either way, a beneficiary can only have one ABLE account at a time.