ABLE Nevada

Members of Congress Re-Introduce ABLE Improvement Bills

On April 4th, a bi-partisan group of Members of Congress, including Senators Richard Burr (R-NC), Bob Casey (D-PA), Jerry Moran (R-KA), and Chris Van Hollen (D-MD) and Representatives Pete Sessions (R-Texas), Cathy McMorris Rodgers (R-Wash.), Tony Cardenas (D–Calif.) and Mike Doyle (D-Pa.), introduced a package of bills (however filed independently of each other) aimed at enhancing the benefits provided through the Stephen Beck Jr., Achieving a Better Life Experience (ABLE) Act. This package of bills consists of the following three pieces of proposed legislation:

The ABLE Age Adjustment Act (S. 817/HR 1874) would raise the age limit for ABLE accounts to age 46. Currently, individuals with a severe disability that occurred prior to the age of 26 are eligible to open an ABLE account. Many debilitating diseases and conditions can occur later in life, including
multiple sclerosis, Lou Gehrig’s disease, or paralysis due to an accident. Increasing the age limit for ABLE accounts will allow more individuals to save money to help cover the costs of short-, medium and long-term disability related expenses.

The ABLE Financial Planning Act (S. 816/HR 1897) would allow families to rollover savings in a 529 college savings plan into an ABLE account. Many families save for a child’s college education by opening a 529 account, sometimes before their child is even born, only to learn later that their child
has a severe disability. In such instances, these families have funds trapped in a 529 that they could use to help cover their child’s lifelong disability-related expenses. But if they withdraw the funds for anything other than college expenses, they face taxes and penalties on their withdrawals. The ABLE Financial Planning Act would help these families by allowing them to transfer funds from their 529 account without penalty into an ABLE account for their child with a qualified disability. It is important  to note that the rollover from a 529 to a 529 ABLE account would still be subject to the annual contribution limit (currently $14,000).

The ABLE to Work Act (S. 818/HR 1896) would allow individuals and their families to save more money in an ABLE account if the beneficiary works and earns income. Specifically, in addition to the $14,000 annual contribution cap, an ABLE beneficiary who earns income from a job could contribute from his/her compensation up to the Federal Poverty Level, which is currently at $11,770 (potentially increasing allowable annual contributions to $25,770). These additional funds into the ABLE account would only be allowed if the beneficiary was not participating in his/her employer’s retirement plan (ex: 401k). The bill will also allow ABLE beneficiaries to qualify for the existing Saver’s Credit when they contribute savings to their ABLE account. It is important to note that beneficiaries would still be subject to the caps related to earned income and substantial gainful employment (SGA). This bill would not allow individuals with disabilities the ability to disregard earned income (even if it is contributed to their ABLE account) for purposes of eligibility for SSI and Medicaid.

ABLE Accounts (Achieving a Better Life Experience)

ABLE accounts help individuals save, while preserving their SSI and Medicaid. Eligible applicants can save for qualified disability expenses without losing eligibility for certain assistance programs, like SSI and Medicaid.

Under the law, a person with a disability and that person’s family may put money into a special tax-advantaged account.  The first $100,000 in an ABLE account will not count against the $2000 Supplemental Security Income (SSI) resource limit, nor will it count against asset limits other programs, such as Medical Assistance, may have.

The earnings on your investments are federally tax-deferred and tax-free, if used for qualified disability expenses.

Eligible individuals can open the account for themselves, or an authorized individual can open an account on their behalf. There are a few requirements that individuals with disabilities must meet to be able to have an account.

You’re eligible if:

  • Your disability was present before the age of 26; and
  • One of the following is true:
    • You are eligible for SSI or SSDI because of a disability.
    • You experience blindness as determined by the Social Security Act; OR
    • You have a similarly severe disability with a written diagnosis from a licensed physician that can be produced if requested.

What are Qualified Disability Expenses?

These are ANY expenses that are incurred as a result of living with a disability and are intended to improve your quality of life.

Qualified expenses include, but are not limited to:

  • Education
  • Health and wellness
  • Housing
  • Transportation
  • Legal fees
  • Financial management
  • Employment training and support
  • Assistive technology
  • Personal support services
  • Oversight and monitoring
  • Funeral and burial expenses

For more information visit ABLE Nevada

If you are uncertain of how your Account will impact your State benefits, ask your care coordinator at the state agency you are affiliated with. For general information about ABLE Nevada accounts, dial 2-1-1; text 898-211; or visit www.nevada211.org. 

Accessibility

View our Position Statement on Accessibility 

The NGCDD is working diligently to ensure all aspects of our services are accessible to the fullest extent of our current knowledge and resources. We believe embedding accessible, inclusive, universal design practices ensures people who have disabilities and/or use assistive technology devices (adaptive equipment that people with disabilities commonly use for information and communication access) have equal or comparable access to content.

One of our 5 year state plan objectives is to partner with other agencies to provide information on how to create accessible materials, media and websites, thereby; increasing the number of persons with I/DD that have access to important information.

Accessibility is for Everyone

We all know there are laws about making things accessible for people with disabilities, but why is it such a big deal? In this video, “Accessibility is for Everyone ” we hear from two State personnel who are part of a dedicated group tasked with moving Nevada’s ADA accessibility compliance forward, along with two college students who have visual impairments. They each speak from different perspectives and experiences, but share a common thread that accessibility and universal design are for everyone. Produced by the Nevada Governor’s Council on Developmental Disabilities in partnership with Mindful Media Services.

Our Current Website Accessible Features:

  • Accessibility Button on the bottom left of all pages.
  • Site Map
  • Links in the text are underlined
  • Target attributes are removed from links
  • Outline added to all links on focus mode
  • Alt text for non text images

Some content on our website was written by, or provided from, outside resources. For content written by, or provided from, outside resources, you will need to contact that resource directly for an accommodation request. We are happy to provide reasonable accommodations as defined by ADA Title 2 Regulations for NGCDD sponsored materials, meetings and events.

Some simple rules to follow when considering accessibility features:

  • When emailing PDF’s or other visual content such as event flyers, include informational details in the body of the email as well
  • Use sans serif fonts such as Arial (Times New Roman is not a sans serif font)
  • Include alternative text for images, graphics and tables
  • Use built-in spacing, headings and styles in documents
  • Use bulleted lists
  • Use the accessibility checker feature built into most word software
  • Download our  Accessibility 101 checklist
  • For more information on how to make content more accessible visit Inclusive Nevada. or  ada.nv.gov.

For NGCDD sponsored materials, meetings or events, please direct accommodation requests to Ellen Marquez at elmarquez@dhhs.nv.gov or 775-684-8619 as soon as possible, and at least five business days before a meeting or event.

Information regarding ADA issues related to government services, public accommodations, and filing complaints can be found on the State of Nevada’s Department of Administration, Human Resource Management ADA page 

Consumer Leadership Development

Consumer Leadership Development Fund (CLDF)

The CLDF was established to make funds available to help offset the costs for self-advocates and/or parents/family/guardians of children/adult children with developmental disabilities to participate in conferences, workshops, and other training opportunities, that will increase their knowledge of disability issues and increase their skills as advocates. Funds are reimbursable up to a set limit determined by the NGCDD Executive Committee. Any taxes incurred as a result of receiving funds from the CLDF will be the sole responsibility of the recipient and a W9-IRS form must be submitted upon receipt of the funds by the recipient.

Financiamiento para los auto-abogados y padres, familia, tutores de niños, adultos con Discapacidades del Desarrollo para aumentar el conocimiento de temas de discapacidad y abogacía.

Accessible CLDF Policy

Read the full policy in Spanish

Download the application in English 

Download the application in Spanish

Accessible application

Direct questions or accommodation requests to Ellen Marquez at elmarquez@dhhs.nv.gov or 775-684-8619

Join The Council

Council members are appointed by the Governor in compliance with Federal mandates stated in the Developmental Disabilities Assistance and Bill of Rights Act. 60% of our Council includes individuals with intellectual/developmental disabilities; parents or family members of individuals with intellectual/developmental disabilities. The remaining positions are individuals who represent agencies that provide services to people with intellectual/developmental disabilities.

Our State Plan

Each State Developmental Disabilities Council is required to submit a five-year plan to the Administration on Developmental Disabilities outlining the intended use of federal funding allocated for its basic operational grant. Each five-year plan is reviewed and updated annually.  An Annual Program Performance Report is submitted indicating Council activities and progress made toward each identified Goal. Read our FFY 2017-2021 5 year state plan:

English version

Spanish version

Please see the FFY 2017-2021 Five Year State Plan page, for more information.