“I was a little unsure about doing everything online at first, but having the steps explained clearly made the whole process easier to understand.”
Maria T., North Carolina
Parent
Physician disability certification for ABLE accounts
ABLE Disability Verification.
That’s All We Do.
A straightforward path to physician documentation for your ABLE account.
Doctor-led- 100% online
- HIPAA-secure
Licensed physicians
Real MDs review and sign every case
15,000+ disability exams
Medical disability exams completed by our physicians
Tax-free savings
Your money grows tax-free for disability expenses
Signed in 2 weeks
Not months of chasing your doctor
Your signed form in 4 easy steps.
1Book & pay
Flat fee. Pick a time for your video call that works for you.
2Talk to a doctor
A physician asks about your condition, when it started and how it affects your day.
3Upload your records
Add your medical records to your secure portal. We’ll tell you exactly what’s needed.
4Get your signed form
Download your signed ABLE certification, ready for your account.
Your records stay private. Only your doctor sees them.
What your ABLE account can do for you.
Years of tax-free savings.
An ABLE account lets you save and invest without losing your benefits. Our physician’s signature is what gets you in.
Save more, tax-free
Put away up to $20,000 a year. Your money grows tax-free when you spend it on qualified expenses.
Keep your benefits
Your first $100,000 doesn’t count against SSI. Medicaid and VA benefits stay protected.
Spend it on real life
Housing, transport, health care, education, technology and everyday living.
Where are you with your ABLE account?
Your path to an ABLE account
- 1
Get certified
We do thisOur physician reviews your records and signs your certification, in about 2 weeks.
- 2
Open your account
Online, with the state ABLE plan you choose. You can pick any state’s plan.
- 3
Save and spend tax-free
On housing, transport, health care and everyday living.
We don’t open accounts. We give you the signed certification you need to open one with confidence.
Your path to a fully documented ABLE account
- 1
Open your account
You have thisYou’ve opened your ABLE account and self-certified your eligibility.
- 2
Get documented
We do thisOur physician reviews your records and signs the certification that backs up your eligibility.
- 3
Save with peace of mind
Keep the signed certification on file and keep saving tax-free!
Most ABLE accounts are opened with self-certification. A signed physician certification is the proof to keep on file.
Why people choose 529ABLE.
Most people get stuck chasing their own doctor for this form. We make it simple, from booking to signature.
One flat fee · No hidden costs
$189
Doctor video visit- Records review by a licensed physician
- Signed ABLE disability certification
- Secure eligibility file
- Help from our care team until you’re done
Secure checkoutOur promise: we don’t leave you stuck.
If your records need more detail, we’ll guide you on exactly what to add, at no extra cost, so nothing stands between you and your ABLE savings.
Real physicians. A real evaluation.
Every case is reviewed by a licensed physician who knows the federal ABLE disability criteria. Your certification is a proper medical evaluation, not a rubber stamp, so it holds up when it matters.
Your doctor said no? We can help.
Many doctors don’t have time for ABLE paperwork or aren’t sure what to write. Our physicians do this every day and review your case on its own merits.
Disability started years ago? That’s OK.
What matters is that your disability began before age 46. We use your records and history to document when it started, even if it was decades ago.
Covered if your plan or the IRS asks.
You keep a signed certification and a secure eligibility file, so your documentation is ready if your state plan or the IRS ever asks for proof.
What’s inside your signed certification.
Everything your ABLE plan looks for, written and signed by a licensed physician.
Your diagnosis, with medical codes: stated clearly, with the ICD codes your plan expects.
When it started: documented onset before age 46, based on your records.
How it affects your daily life: the functional limitations the federal ABLE criteria require.
How long it’s expected to last: confirmation that it has lasted, or will last, 12 months or more.
Physician signature and license: signed by a licensed physician, with their credentials.
Who can be eligible
Could you qualify?
Probably more than you think.
ABLE isn’t only for visible disabilities. What matters is how your condition affects your life, not the label.
Carlos, 52
“I thought my VA rating was enough, or that I needed SSDI first. I didn’t. My VA records were enough.”
What Carlos thought
My VA rating qualifies me automatically- I need an SSDI decision first
- I’d need an office visit
- It would take months
What actually happened
- His VA and medical records were enough
- Our physician reviewed and signed
- Everything happened online
- Signed form in about 2 weeks
Result
Opened an ABLE account. His VA benefits stayed the same.
You may qualify if
Your condition started before age 46 and significantly affects your daily life, even if it began decades ago. No SSI, SSDI or VA rating needed.
Maya, 34
“I didn’t look disabled, so I assumed ABLE wasn’t for me. It turns out what counts is how it affects my day.”
What Maya thought
- It has to be a visible disability
- Chronic illness doesn’t count
- I’d need to be on SSI first
- My good days would count against me
What actually happened
- Her records showed the daily limits
- Our physician looked at her whole picture
- Everything happened online
- Signed form in about 2 weeks
Result
Opened an ABLE account and now saves for treatment tax-free.
You may qualify if
Conditions you can’t see count too, when they significantly limit your daily life and started before age 46.
Daniel, 41
“I was told I was too old for ABLE. Then the rules changed in 2026, and now I qualify.”
What Daniel thought
- ABLE is only if it started before 26
- I’m too old to open an account
- I already missed my chance
- The paperwork would be complicated
What actually happened
- The onset age rose to 46 in 2026
- His condition began at 38
- Our physician documented when it started
- Signed form in about 2 weeks
Result
Opened his first ABLE account at 41.
You may qualify if
Since January 2026, your disability can have started before age 46, up from 26. Many more people now qualify.
Linda, 63
“I’m his mom, not a lawyer. I didn’t know I could set this up for him from home.”
What Linda thought
- Only Sam could apply himself
- We’d need a lawyer
- Savings could cost him his SSI
- It would mean endless appointments
What actually happened
- Linda handled it on Sam’s behalf
- Our physician reviewed Sam’s records
- Everything happened online
- Signed form in about 2 weeks
Result
Sam has an ABLE account, and his SSI stayed in place.
You may qualify if
You’re a parent, guardian or caregiver helping a loved one whose disability started before age 46. You can get them certified on their behalf.
Rosa, 45
“I self-certified when I opened my account. I didn’t know I should keep proof from a doctor.”
What Rosa thought
- Self-certifying was enough forever
- No one would ever ask for proof
- Her account was fully documented
- It was too late to fix
What actually happened
- Our physician reviewed her records
- She got a signed certification
- Her eligibility file is stored securely
- Ready if her plan or the IRS asks
Result
Her existing ABLE account is now fully documented.
This is for you if
You already have an ABLE account and self-certified when you opened it. A physician’s signed certification keeps your documentation complete.
Getting your ABLE form signed:
your doctor vs. 529Able
 Your regular doctor |  | |
|---|---|---|
| Waiting time | Often weeks with chasing | Signed in about 2 weeks on average |
| Visit | In person: time off work, travel, copay | From home, 100% online |
| Record review | Not part of most practices’ routine | We’re specialized in this |
| ABLE knowledge | Most doctors haven’t worked with ABLE | Focused only on ABLE eligibility |
| Price | Visit, copay, often a form fee | $189 flat, we guide you to the finish |
| What you receive | Signed form | Signed form plus a complete eligibility file |
For professionals and partners.
Refer clients who need physician disability documentation. We handle the rest.
Health systems & practices
Special-needs attorneys
CPAs & tax professionals
Employers
Physicians
Financial planners
Benefits counselors
Financial institutions
Families trust us with the paperwork that matters.
“It was helpful to know what information I needed and what to expect next. I appreciated having a clear process instead of trying to figure everything out on my own.”
James R., Michigan
Caregiver
“I had questions about the requirements and wanted to make sure I understood everything before getting started. The information provided helped me understand the steps involved.”
Linda K., Washington
Parent
“I was concerned about how the process would work online, but knowing what to expect at each step made it feel much less complicated.”
Robert M., North Carolina
Applicant
“I wasn’t sure what the first step should be, so having the process laid out clearly was useful. It gave me a better understanding of what I needed to do next.”
David P., Michigan
Caregiver
Real medical doctors behind every evaluation.
Licensed physicianFounder & Medical Director
Dr. Jordan Orley, MD, MPH
Final-year resident in Occupational & Environmental Medicine at UTHealth Houston. For a decade he has evaluated over 15,000 veterans across 20 states as an independent medical examiner. He founded 529ABLE to give people fast, caring and affordable disability evaluations.
15,000+
Veterans evaluated
3
States
15+ yrs
Disability exams
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Dr. Michael Grant, MD
Internal Medicine · TX, FL, GA
Dr. Priya Nair, MD
Physical Medicine & Rehab · TX, FL
Dr. Daniel Reyes, DO
Family Medicine · FL, GA
Get your ABLE verification today.
Frequently asked questions.
Can’t find your answer?
Our care team replies within 1 business day.
What service do you provide?
Our physicians confirm your qualifying disability, and how much it limits you, began before age 46. You receive the paperwork for your records once approved.
Why is this paperwork important?
If you open an ABLE account without an SSI or SSDI award, you certify your eligibility yourself. A signed physician statement is the record you keep in case you’re ever asked to prove it.
How does the evaluation work?
You book and pay online, talk to a physician on a short video call, upload the records we ask for, and the doctor reviews your case and signs your form.
Will I need to be verified more than once?
Usually no. Most people need one signed statement. Keep a copy with your records in case your ABLE program asks for it.
Do I need an office visit?
No. Everything happens online: booking, the video call, uploading records and receiving your signed form.
Is my information private?
Yes. Your records are stored in a HIPAA-secure portal and are seen only by your doctor and care team.
Who qualifies for an ABLE account?
People with a significant disability that began before age 46. Since January 2026 the onset age is 46, up from 26.
Do I need SSI or SSDI to qualify?
No. Without an SSI or SSDI award you can still qualify with a signed physician statement, which is exactly what we provide.
Which conditions qualify?
Conditions that cause marked and severe functional limitations, or blindness. Our physician reviews your records to confirm whether yours meets the criteria.
My disability started a long time ago. Can you still help?
Yes. That’s common. We review your older records and history to confirm when your condition began.
What is an ABLE account?
A tax-advantaged savings and investment account for people with disabilities. Earnings grow tax-free when spent on qualified disability expenses.
Will an ABLE account affect my benefits?
In most cases it protects them. The first $100,000 in an ABLE account doesn’t count toward the SSI resource limit, and ABLE savings don’t affect Medicaid eligibility.
How do I open one?
Online, through a state ABLE program. Many programs accept residents of any state. Our comparison tool helps you choose.
Can I open the account before getting verified?
Yes. You can verify before or after you open your account. The signed form is what keeps your account in good standing.
How much does it cost?
One flat fee, shown before you pay. It includes the doctor review and video call, your signed form, your eligibility file and the state comparison tool.
Are there any hidden fees?
No. The flat fee covers everything listed. Optional add-on services are priced separately and only if you choose them.
What if my disability can’t be verified?
We’ll tell you what’s missing so you can add it. If we still can’t verify your disability, your next evaluation is 50% off.
When do I pay?
When you book your video call. Payment and booking happen in one step through our secure checkout.