If you have an asset of 2K or more and have a disability, you can lose vital income supports and health care. This makes it hard to build any sort of financial security. ABLE is meant to solve this by allowing people to save up to $100K. But just 7% of people w disabilities have even heard of it.

A frustrating repeat of an old pattern. "The asset limit prevents people from maintaining basic assets for life." "So we raise it, right?" "No, we make an all-new program you have to figure out that lets you maintain a bigger special account." What value does ABLE add vs raising the limit?

So learning costs is a big issue. Another issue is financial constraints. Not having enough money is the most frequently cited reason people don't use the program once they are told about it.