Bill · S. 4498· Senate(119-S-4498)
ABLE Tomorrow Act
- Introduced
- 5/12/2026
- Last activity
- 5/12/2026 — Read twice and referred to the Committee on Finance.
- Sponsored by
- Jerry Moran
- Cosponsors
- - 2 - 5
- Introduced
- In Committee
What this bill would do
The ABLE Tomorrow Act seeks to amend the Internal Revenue Code of 1986 to stabilize and expand ABLE savings programs. It aims to make certain ABLE provisions permanent and improve how families access information about these accounts. The bill includes changes to contribution limits and allows for specific types of lump sum payments. It also protects working individuals by allowing employer retirement plans to contribute to ABLE accounts. Furthermore, the act mandates that various federal and state agencies provide information about ABLE programs to eligible individuals. Finally, it authorizes grants to promote awareness and enrollment in these programs.
Yes· 3 of 11
Would people with disabilities be better off under this?+6
The bill expands contribution flexibility, protects savings from state recovery, and improves program awareness for people with disabilities.
Would households on low incomes be better off under this?+3
The bill facilitates easier access to savings tools for those receiving means-tested assistance.
Would veterans be better off under this, taking everything together?+3
The bill requires the VA to inform veterans and their eligible dependents about ABLE programs.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Protection of Savings from State Recovery: This provision prevents states from seeking to recover medical assistance payments from an ABLE account after a beneficiary dies (Section 4).
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Increased Contribution Flexibility: The bill repeals limitations on certain rollovers and creates an exception to contribution limits for specific lump sum payments, such as life insurance proceeds or third-party trusts (Section 5).
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Protection for Working Individuals: Employers can now allow employees to direct employer contributions toward an ABLE account instead of a traditional retirement plan, which helps protect benefits (Section 7).
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Improved Information Access: Various government agencies, including Social Security, the VA, and HUD, are required to inform eligible individuals about the existence of and how to open ABLE accounts (Section 8).
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Increased Awareness via Grants: The Secretary may award grants to states, tribal governments, or consortia to increase awareness and help people enroll in ABLE programs (Section 9).
Potential Negative Impacts for People
- Delayed Benefit Suspension Notice: The bill changes the timing for when an individual receives notice that their benefits are to be suspended (Section 6).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For People With Disabilities+6Good For Low Income Households+3Good For Veterans+3Good For Children+2
- Economy And Finance
- Reduces Middle Class Taxes+2Improves Economic Growth+1Increases Job Creation+1
- Social Issues And Justice
- Improves Poverty Reduction+3
- Education And Technology
- Improves College Affordability+2
- Governance And Ideology
- Improves Government Transparency+2
- Healthcare
- Increases Medicaid Funding+2
- 7/27/2026
- 1 Cosponsor added.
- 6/24/2026
- 4 Cosponsors added.
- 5/12/2026
- Read twice and referred to the Committee on Finance.
- 3 Cosponsors added.
- Introduced in Senate
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Katie BrittRepublican · Alabama
Tammy DuckworthDemocrat · Illinois
John FettermanDemocrat · Pennsylvania
Kirsten GillibrandDemocrat · New York
Amy KlobucharDemocrat · Minnesota
Bernie SandersIndependent · Vermont
Thomas TillisRepublican · North Carolina
Chris Van HollenDemocrat · Maryland