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ABLE Accounts: Save Money Without Losing SSI or Medicaid | Torchlight Tax
Did you know there’s a powerful way to save for individuals with disabilities — without losing government benefits? In this video, Dave Horwedel, CEO of Torchlight Tax, explains how ABLE accounts (Achieving a Better Life Experience) help individuals with disabilities grow savings tax-free while maintaining eligibility for SSI and Medicaid. Learn how ABLE accounts work, what qualifies as a disability expense, and how they complement Special Needs Trusts.
Highlights include:
● Tax-free growth and withdrawals
● $19,000 annual contribution limit in 2025
● Expanded eligibility in 2026 (disability onset age up to 46)
● Protection for up to $100,000 from SSI asset limits
● Medicaid benefits fully preserved
ABLE accounts are an essential part of a smart financial strategy for families with special needs. For more, visit our Special Needs Trust video and explore our extensive library of financial tools and strategies. 
• How to Protect Your Special Needs Child wi…
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