Pass the ABLE Act NOW!
"My name is Sara Wolff. I am a 31 year-old from Moscow, Pennsylvania, who happens to have Down syndrome but that doesn’t stop me from achieving “my” better life. I work as a law clerk and also at Keystone Community Resources in the Office of Advocacy. I am a board member of the National Down Syndrome Society (NDSS). I’m calling on Congress to pass the Achieving a Better Life Experience (ABLE) Act (S. 313/H.R. 647), a bill that will help individuals with disabilities to save for their futures.
I’m 31 years old, and I happen to have Down syndrome. I have two jobs, and lead an independent life, however, when my mom died suddenly last year, things got a lot harder for me and my family. I want to support myself and save money for my future, but if I save more than $2,000, I’ll lose the benefits I depend on like Medicaid and Social Security.
That’s because of a law that says that people with disabilities like me can’t have more than $2,000 in assets or we risk losing the benefits we need to live. For me, living on my own, that means I can’t even save enough to put down rent and a security deposit on an apartment. This law keeps me dependent on other people, and that’s really scary now that my mom is gone.
But, there is a solution: the ABLE Act.
When the ABLE Act passes into law this year, it will change my life forever. I lost my mother this past year, Connie, to a sudden, rapid illness. With my whole life ahead of me, I need an ABLE account to plan for my future. And, I am not alone, like most individuals with disabilities, people with Down syndrome and other conditions are out living their parents.
Families, like mine, need to rest assure that they can equally care for their children and adults with disabilities, just like they can for their other children and family members. Just because I have Down syndrome, that shouldn’t hold me back from achieving my full potential in life. I can work a full-time job, be a productive member of society, and pay taxes – but because of these outdated laws placed on individuals with disabilities, we hold people like me back in life. This is the year, we call on leaders in Congress to put an end to the inequities that exist for people with disabilities by passing the ABLE Act and allowing individuals and families to save for the future and break down the barriers to employment for these individuals.
I spoke last week during the NDSS gala in New York City about my personal lobbying efforts on the ABLE Act – before a large audience, I declared that I will be standing right next to President Obama when he signs the ABLE Act into law this year!
The ABLE Act would amend Section 529 of the Internal Revenue Service Code of 1986 to create tax-free savings accounts for individuals with disabilities. The bill aims to ease financial strains faced by individuals with disabilities by making tax-free savings accounts available to cover qualified expenses such as education, housing, and transportation. The bill would supplement, but not supplant, benefits provided through private insurances, the Medicaid program, the supplemental security income program, the beneficiary’s employment, and other sources.
An ABLE account could fund a variety of essential expenses for individuals, including medical and dental care, education, community based supports, employment training, assistive technology, housing, and transportation. The ABLE Act provides individuals with disabilities the same types of flexible savings tools that all other Americans have through college savings accounts, health savings accounts, and individual retirement accounts. The legislation also contains Medicaid fraud protection against abuse and a Medicaid pay-back provision when the beneficiary passes away. It will eliminate barriers to work and saving by preventing dollars saved through ABLE accounts from counting against an individual’s eligibility for any federal benefits program.
Please sign and signal boost this. It is already hard enough for disabled people to earn a living wage, since we can legally be paid as little as 22 cents an hour, but we deserve the right to be able to plan and enjoy our lives just as abled people - particularly in light of the enormous cost of the medical expenses we often face, caregiver’s salaries, accessible living and transportation, and so much more. We deserve our rights.