II 

118TH CONGRESS 

2D SESSION S. 4910 

To direct Federal agencies to provide information on ABLE accounts and 

to provide grants for increasing awareness of ABLE accounts. 

IN THE SENATE OF THE UNITED STATES 

JULY 31, 2024 

Mr. CASEY (for himself, Ms. HIRONO, Mr. WYDEN, Mr. WELCH, Mr. VAN

HOLLEN, Ms. KLOBUCHAR, Mr. SANDERS, and Ms. DUCKWORTH) introduced the following bill; which was read twice and referred to the Committee on Finance 

A BILL 

To direct Federal agencies to provide information on ABLE 

accounts and to provide grants for increasing awareness 

of ABLE accounts. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘ABLE Awareness 

5 Act’’. 

6 SEC. 2. FINDINGS. 

7 Congress finds the following: 

8 (1) 2024 is the ten-year anniversary of the pas9 sage of the Stephen Beck, Jr., Achieving a Better 


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1 Life Experience Act of 2014 that made it possible 

2 for individuals with disabilities to save for qualified 

3 disability expenses using ABLE accounts. 

4 (2) As of March 2024, there were over 171,000 

5 ABLE accounts nationwide, with almost 

6 $2,000,000,000 invested in those accounts. 

7 (3) There are an estimated 8,000,000 Ameri8 cans eligible for ABLE accounts under the current 

9 eligibility requirements, and another 6,000,000 peo10 ple will be eligible when the eligibility limitation for 

11 the age at which the disability occurred increases to 

12 age 46. 

13 (4) Of the 14,000,000 people who will be eligi14 ble to open ABLE accounts in 2026, approximately 

15 2,200,000 are veterans. 

16 (5) Only 1.2 percent of people who are eligible 

17 and could open an ABLE have done so. 

18 (6) The benefits of ABLE accounts should be 

19 available to more than the existing 171,000 account 

20 holders. 

21 SEC. 3. PURPOSE. 

22 The purposes of this Act are— 

23 (1) to direct Federal agencies to inform people 

24 with disabilities about ABLE programs when first 

25 enroll in certain programs; and 


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1 (2) to provide States and regions with resources 

2 to advertise the ABLE program as the eligibility re3 quirements expand to include millions more people 

4 in 2026. 

5 SEC. 4. DIRECTING AGENCIES TO INFORM PEOPLE WITH 

6 DISABILITIES ABOUT ABLE ACCOUNTS. 

7 (a) SOCIAL SECURITY ADMINISTRATION.— 

8 (1) IN GENERAL.—Beginning 180 days after 

9 the date of enactment of this Act, the Commissioner 

10 of Social Security shall provide the information de11 scribed in paragraph (3) to any individual who is re12 ceiving any of the following on or after such date: 

13 (A) A supplemental security income benefit 

14 under title XVI of the Social Security Act (42 

15 U.S.C. 1381 et seq.). 

16 (B) A disability insurance benefit under 

17 section 223 of the Social Security Act (42 

18 U.S.C. 423). 

19 (C) A monthly insurance benefit under sec20 tion 202 of the Social Security Act (42 U.S.C. 

21 402) based on such individual’s disability (as 

22 defined in section 223(d) of such Act (42 

23 U.S.C. 423(d)). 

24 (2) PROVISION OF INFORMATION UPON REDE25 TERMINATION OR OVERPAYMENT.—Beginning 180 


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1 days after the date of enactment of this Act, the 

2 Commissioner of Social Security shall, in addition to 

3 providing the information described in paragraph (3) 

4 in accordance with paragraph (1), provide such in5 formation to any individual receiving a benefit de6 scribed in paragraph (1)— 

7 (A) whenever such individual’s eligibility 

8 for such benefit is redetermined; and 

9 (B) whenever such individual is found to 

10 have received an overpayment of such benefits 

11 due to the individual having resources that ex12 ceed the amount established under subpara13 graph (A) or (B) of section 1611(a)(3) of the 

14 Social Security Act (42 U.S.C. 1382(a)(3)), as 

15 applicable to the individual. 

16 (3) INFORMATION ON ABLE ACCOUNTS.—The 

17 information described in this paragraph is the fol18 lowing: 

19 (A) Information on the existence of— 

20 (i) qualified ABLE programs as de21 fined in section 529A of the Internal Rev22 enue Code of 1986; and 

23 (ii) resources for people with disabil24 ities, such as the ABLE National Resource 


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1 Center, the National Association of State 

2 Treasurers, and ABLE Today. 

3 (B) Instructions on how to open an ABLE 

4 account (as defined in section 529A of the In5 ternal Revenue Code of 1986). 

6 (b) DEPARTMENT OF VETERANS AFFAIRS.— 

7 (1) IN GENERAL.—Chapter 63 of title 38, 

8 United States Code, is amended by adding at the 

9 end the following new section: 

10 ‘‘§ 6321. ABLE programs 

11 ‘‘The Secretary shall inform each individual who en12 rolls in a program carried out under the laws administered 

13 by the Secretary about the existence of qualified ABLE 

14 programs (as defined in section 529A of the Internal Rev15 enue Code of 1986) and resources for people with disabil16 ities, such as the ABLE National Resource Center, the 

17 National Association of State Treasurers, and ABLE 

18 Today, at the time of such enrollment.’’. 

19 (2) CLERICAL AMENDMENT.—The table of sec20 tions at the beginning of chapter 63 of such title is 

21 amended by adding at the end the following new 

22 item: 

‘‘6321. ABLE programs.’’. 

23 (c) DEPARTMENT OF HOUSING AND URBAN DEVEL24 OPMENT.— 


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1 (1) DEFINITION.—In this subsection, the term 

2 ‘‘covered housing program’’ means— 

3 (A) the program for supportive housing for 

4 persons with disabilities under section 811 of 

5 the Cranston-Gonzalez National Affordable 

6 Housing Act (42 U.S.C. 8013); and 

7 (B) the tenant-based assistance program 

8 under section 8(o) of the United States Hous9 ing Act of 1937 (42 U.S.C. 1437f(o)). 

10 (2) REQUIREMENT.—The Secretary of Housing 

11 and Urban Development shall ensure that when a 

12 family or an individual enrolls in a covered housing 

13 program or otherwise begins to occupy housing as14 sisted by a covered housing program, the family or 

15 individual is informed about— 

16 (A) the existence of qualified ABLE pro17 grams as defined in section 529A of the Inter18 nal Revenue Code of 1986; and 

19 (B) resources for people with disabilities, 

20 such as the ABLE National Resource Center, 

21 the National Association of State Treasurers, 

22 and ABLE Today. 

23 (d) CHAPTER 85 OF TITLE 41, UNITED STATES

24 CODE.—Section 8503(d) of title 41, United States Code, 

25 is amended— 


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1 (1) in paragraph (1), by striking ‘‘and’’ at the 

2 end; 

3 (2) in paragraph (2), by striking the period at 

4 the end and inserting ‘‘; and’’; and 

5 (3) by adding at the end the following: 

6 ‘‘(3) shall provide regulations providing that, 

7 when a qualified nonprofit agency that produces a 

8 product or services for the Federal Government 

9 under subsection (c) enrolls an individual in a pro10 gram to produce the product or services, the agency 

11 shall inform the individual about— 

12 ‘‘(A) the existence of qualified ABLE pro13 grams as defined in section 529A of the Inter14 nal Revenue Code of 1986; and 

15 ‘‘(B) resources for people with disabilities, 

16 such as the ABLE National Resource Center, 

17 the National Association of State Treasurers, 

18 and ABLE Today.’’. 

19 (e) STATE MEDICAID AND CHIP AGENCIES.— 

20 (1) MEDICAID.—Section 1902(a) of the Social 

21 Security Act (42 U.S.C. 1396a(a)) is amended— 

22 (A) in paragraph (86), by striking ‘‘; and’’ 

23 and inserting a semicolon; 

24 (B) in paragraph (87), by striking the pe25 riod at the end and inserting ‘‘; and’’; and 


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1 (C) by inserting after paragraph (87) the 

2 following new paragraph: 

3 ‘‘(88) provide that the State will inform any in4 dividual who enrolls for medical assistance under the 

5 State plan (or under a waiver of such plan) about 

6 the existence of qualified ABLE programs as defined 

7 in section 529A of the Internal Revenue Code of 

8 1986, and resources for people with disabilities, such 

9 as the ABLE National Resources Center, the Na10 tional Association of State Treasurers, and ABLE 

11 Today, when they first enroll for such assistance.’’. 

12 (2) CHIP.—Section 2107(e)(1) of the Social 

13 Security Act (42 U.S.C. 1397gg(e)(1)) is amended— 

14 (A) by redesignating subparagraphs (H) 

15 through (U) as subparagraphs (I) through (V), 

16 respectively; and 

17 (B) by inserting after subparagraph (G) 

18 the following new subparagraph: 

19 ‘‘(H) Section 1902(a)(88) (relating to the 

20 provision of information about ABLE accounts 

21 to individuals when they first enroll for medical 

22 assistance).’’. 

23 (3) EFFECTIVE DATE.—The amendments made 

24 by this subsection shall take effect on the date that 

25 is 180 days after the date of enactment of this Act. 


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1 (f) STATE TANF AGENCIES.— 

2 (1) IN GENERAL.—Section 408(a) of the Social 

3 Security Act (42 U.S.C. 608(a)) is amended by add4 ing at the end the following new paragraph: 

5 ‘‘(13) STATE REQUIREMENT TO PROVIDE IN6 FORMATION ABOUT ABLE ACCOUNTS.—Beginning 

7 180 days after the date of enactment of the ABLE 

8 Awareness Act, a State to which a grant is made 

9 under section 403 shall provide information about 

10 the existence of qualified ABLE programs as defined 

11 in section 529A of the Internal Revenue Code of 

12 1986, and resources for people with disabilities, such 

13 as the ABLE National Resources Center, the Na14 tional Association of State Treasurers, and ABLE 

15 Today, to any family receiving or applying for assist16 ance under such grant.’’. 

17 (2) STATE PLAN REQUIREMENT.—Section 

18 402(a)(1)(B) of the Social Security Act (42 U.S.C. 

19 602(a)(1)(B)) is amended by adding at the end the 

20 following new clause: 

21 ‘‘(vi) The document shall include in22 formation about how the State will provide 

23 information about qualified ABLE pro24 grams to individuals as required under sec25 tion 408(a)(13).’’. 


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1 (g) NUTRITION ASSISTANCE PROGRAMS.—Each 

2 State shall inform people with disabilities (as defined in 

3 section 3 of the Americans with Disabilities Act of 1990 

4 (42 U.S.C. 12102)) about the existence of qualified ABLE 

5 programs (as defined in section 529A of the Internal Rev6 enue Code of 1986), and resources for people with disabil7 ities, such as the ABLE National Resource Center, the 

8 National Association of State Treasurers, and ABLE 

9 Today, on enrollment in any means-tested nutrition assist10 ance program of the Department of Agriculture or the De11 partment of Defense, including— 

12 (1) the supplemental nutrition assistance pro13 gram established under the Food and Nutrition Act 

14 of 2008 (7 U.S.C. 2011 et seq.); and 

15 (2) the special supplemental nutrition program 

16 for women, infants, and children established by sec17 tion 17 of the Child Nutrition Act of 1966 (42 

18 U.S.C. 1786). 

19 (h) REHABILITATION ACT OF 1973.—Section 101(a) 

20 of the Rehabilitation Act of 1973 (29 U.S.C. 721(a)) is 

21 amended by adding at the end the following: 

22 ‘‘(27) INFORMATION ON ABLE PROGRAMS.—The 

23 State plan shall provide that, when an individual 

24 with a disability (as defined in section 7(20)(A)) enVerDate Sep 11 2014 20:37 Aug 29, 2024 Jkt 049200 PO 00000 Frm 00010 Fmt 6652 Sfmt 6201 E:\BILLS\S4910.IS S4910

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1 rolls in a vocational rehabilitation program, the des2 ignated State unit shall inform the person about— 

3 ‘‘(A) the existence of qualified ABLE pro4 grams as defined in section 529A of the Inter5 nal Revenue Code of 1986; and 

6 ‘‘(B) resources for individuals with disabil7 ities, such as the ABLE National Resource 

8 Center, the National Association of State 

9 Treasurers, and ABLE Today.’’. 

10 (i) MEDICARE.—Beginning 180 days after the date 

11 of enactment of this Act, the Secretary of Health and 

12 Human Services shall provide the information described 

13 in subsection (a)(3)(A) to any individual entitled to bene14 fits under title XVIII of the Social Security Act (42 

15 U.S.C. 1395 et seq.) by reason of section 1811(2) of such 

16 Act (42 U.S.C. 1395c(2)) at the time such individual be17 comes entitled to such benefits. 

18 SEC. 5. ABLE AWARENESS GRANTS. 

19 (a) IN GENERAL.—The Secretary may award grants 

20 to eligible entities for the purposes of promoting the avail21 ability of ABLE programs and their benefits and encour22 aging the establishment of ABLE accounts for eligible in23 dividuals. 

24 (b) ELIGIBLE ENTITY.—For purposes of this section, 

25 the term ‘‘eligible entity’’ means— 


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1 (1) any State, or any agency or instrumentality 

2 thereof; 

3 (2) an Indian tribal government or any subdivi4 sion thereof; or 

5 (3) any consortium of entities described in 

6 paragraph (1) or (2). 

7 (c) AWARDING GRANTS.— 

8 (1) APPLICATION.—An eligible entity desiring a 

9 grant under this section shall submit to the Sec10 retary an application at such time, in such manner, 

11 and containing or accompanied by such information, 

12 as the Secretary may reasonably require. 

13 (2) DATA COLLECTION AND REPORTING.—The 

14 Secretary may not award a grant under this section 

15 unless the eligible entity agrees to collect data on the 

16 number of ABLE accounts established as a result of 

17 activities carried out with the grant funds. 

18 (d) USE OF FUNDS.— 

19 (1) IN GENERAL.—An eligible entity receiving a 

20 grant under this section shall use the grant to in21 crease awareness of ABLE accounts and to provide 

22 information on how to enroll in such accounts. 

23 (2) ACTIVITIES.—An eligible entity may use a 

24 grant under this section for— 

25 (A) media buys; 


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1 (B) conferences, meetings, canvassing, and 

2 recruitment; and 

3 (C) other activities to promote the avail4 ability and establishment of ABLE accounts. 

5 (e) OTHER TERMS.—For purposes of this section: 

6 (1) ABLE PROGRAM; ABLE ACCOUNT; ELIGIBLE

7 INDIVIDUAL.—The terms ‘‘ABLE program’’, 

8 ‘‘ABLE account’’, and ‘‘eligible individual’’ have the 

9 respective meaning given such terms under section 

10 529A of the Internal Revenue Code of 1986. 

11 (2) SECRETARY.—The term ‘‘Secretary’’ means 

12 the Secretary of the Treasury or the Secretary’s del13 egate. 

14 (3) STATE.—The term ‘‘State’’ includes any 

15 territory or possession of the United States. 

16 (f) AUTHORIZATION OF APPROPRIATIONS.—There is 

17 authorized to be appropriated to carry out this section 

18 $50,000,000 for each of fiscal years 2025 through 2029. 

Æ 


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