3 Comments

One correction: ABLE accounts are available in all 50 States. Some states don't have their own program, so you must contact another state to set it up. We had to do this initially, and later Cal-ABLE became available. Florida is the only state that doesn't allow people from other states to join their program. In California, the income limit and amount of SSI support are ridiculously low, so an ABLE account is essential.

I’ve learned more about my son in his 20s, also. He was 19-20 when he told us he did not see any pictures in his head! He used to read a lot, and I can't imagine reading without picturing anything! He also has an incredible memory, but usually, it is about things he is interested in, not random statistics. It has been nice to see him able to explain better what he is experiencing. There seems to be more self-awareness now.

Expand full comment
author

Thanks Beth. Yes, you're right about the ABLE accounts being a national thing. I made the changes.

After listening to the presentation today, I can't understand why anybody would put their money in those accounts. When the person passes away, the government can take it all to cover Medicaid expenses. NO WAY! And that add in a shitload of paperwork and rules? Why would we ever do that?

Right now, we take any money that Ian gets and put it away in our account, under our name, and then invest it all in the stock market. We plan to leave him a very wealthy young man without any danger of the government stealing that money.

Expand full comment

Oh, that's interesting. My ex-husband manages the account, and he has met with a lawyer who specializes in special needs families. The lawyer had him set up a Special Needs Trust where our son's money will go. In California, it makes a lot of sense to put money in ABLE. SSI recipients are hardly allowed to save any money.

We had a college account for him and we had to move it into an ABLE account before he could get SSI or Regional Center services (Regional Center is the local arm of the State Dept. of Developmental Services.)

They don't make it easy, do they?

Expand full comment