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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Dear TLC Chapter Members and Friends,<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>At yesterday\u2019s chapter meeting we gave a brief summary of the ABLE Account Seminar presented by the NFB of Maryland Advocacy Committee on June 7. I know that some of you are not signed up for any of the NFB\u2019s email list, so you would have missed the below email from Sharon Maneki with helpful information about the Maryland ABLE Account program.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Warmly,<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Ellen<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> NFBMDTLC-Chapter [mailto:nfbmdtlc-chapter-bounces@nfbnet.org] <b>On Behalf Of </b>Sharon Maneki via NFBMDTLC-Chapter<br><b>Sent:</b> Tuesday, June 10, 2025 11:31 AM<br><b>To:</b> greater-baltimore@nfbnet.org; mdabs@nfbnet.org; md-atlarge@nfbnet.org; md-sligo@nfbnet.org; nfbmd@nfbnet.org; central-md-chapter@nfbnet.org; mabm@nfbnet.org; mdpobc@nfbnet.org; nationalharbor@nfbnet.org; nfbmdtlc-chapter@nfbnet.org; md-baltimore-county-request@nfbnet.org<br><b>Cc:</b> Sharon Maneki <nfbmdsm@gmail.com><br><b>Subject:</b> [NFBMDTLC-Chapter] Information about ABLE accounts<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><div><div><div><p class=MsoNormal><span style='font-family:"Tahoma",sans-serif;color:black'>Hello all,<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Tahoma",sans-serif;color:black'>Thanks to those of you who attended the seminar on June 7th. Information from the ABLE session on Saturday will eventually be on the NFBMD website in the Advocacy section. I will advise you when it is up. In the meantime, below is the brochure about ABLE which has many of the things Kelly Nelson discussed. <o:p></o:p></span></p></div><p class=MsoNormal><br clear=all><o:p></o:p></p></div><div><div><div><div><p class=MsoNormal><b><span style='font-size:10.0pt'>Sharon Maneki, Director of Legislation and Advocacy</span></b><o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>National Federation of the Blind of Maryland</span><o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>410-715-9596</span><o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt'>The National Federation of the Blind of Maryland knows that blindness is not the characteristic that defines you or your future. Everyday we raise the expectations of blind people, because low expectations create obstacles between blind people and our dreams. You can live the life you want; blindness is not what holds you back.</span><o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><h1 style='mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:16.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'>Maryland ABLE 2025 Brochure<o:p></o:p></span></h1><h1 style='mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'>Achieving a Better Life Experience</span><span style='font-size:16.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'><o:p></o:p></span></h1><h2 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'>Supporting Financial Freedom and Greater Quality of Life for People with Disabilities</span><span style='font-size:13.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'><o:p></o:p></span></h2><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'> <o:p></o:p></span></p><h1 style='mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'>What Is Maryland ABLE?</span><span style='font-size:16.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'><o:p></o:p></span></h1><h2 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'>It is an investment tool for people with disabilities, designed to help Beneficiaries save and invest in a tax-advantaged account for their everyday needs and prepare for the future without losing access to federal, or state means tested benefits.</span><span style='font-size:13.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'><o:p></o:p></span></h2><h3 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'>Who Can Have an ABLE Account?</span><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'><o:p></o:p></span></h3><p class=MsoNormal style='line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>You can open an ABLE account at ANY age as long as: You experienced the onset of disability or <o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>blindness prior to the age of 26, which will change to age 46 on January 1, 2026. You are entitled to receive SSI or SSDI, or have a signed physician\u2019s diagnosis form that can be provided to the Program or the IRS upon request.<o:p></o:p></span></p><p class=MsoNormal style='line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'> <o:p></o:p></span></p><h3 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'>Who Can Open an Account?</span><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'><o:p></o:p></span></h3><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>You, as the beneficiary if you are over age 18; or you\u2019re an Authorized Legal Representative (ALR) for someone with a qualifying disability.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'>ABLE Account Holder Benefits</span><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'><o:p></o:p></span></h3><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Contributions up to $19,000 in 2025 for a wide range of qualified disability expenses. Check the Program Disclosure Book for current year.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Tax free account growth and tax-free withdrawals for qualified disability expenses.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Contributions to a Maryland ABLE account can result in a subtraction up to $2,500 per contributor, per beneficiary, from gross taxable income when filing Maryland State income taxes.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Save up to $100,000 in an ABLE account before impacting SSI cash benefits.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Make contributions up to a maximum account value of $500,000.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Transfer money to a pre-loaded card option for easy access to funds.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Personalize an online gifting page and share with friends and family.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Make contributions to an ABLE account via payroll deductions or by rolling over funds from a 529 college savings plan for the beneficiary, or a member of the beneficiary\u2019s family.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Manage account via the online dashboard or mobile app, available for iOS and Android devices.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Additional contributions may be made by Beneficiaries who work. For more information, review the ABLE to Work benefits in our Program Disclosure Booklet available at <a href="https://www.MarylandABLE.org"><span style='color:#0563C1'>www.MarylandABLE.org</span></a><o:p></o:p></span></p><h3 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'>Opening a Maryland ABLE Account</span><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'><o:p></o:p></span></h3><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>It only takes an initial deposit of $25 to open an account! Once you are ready to enroll, you can set up your account online or you can mail a paper enrollment form. When opening a Maryland ABLE account, be sure to have the Beneficiary\u2019s (and ALR\u2019s, if applicable) Social Security Number and bank account information to link to the account.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'>Account Fees</span><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'><o:p></o:p></span></h3><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>There is an annual fee of $35 for a Maryland ABLE account to keep everything running smoothly. There are also annual asset-based fees charged for each Investment Option. See the Program Disclosure Booklet for more details.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'>Maryland ABLE Portfolio Options</span><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'><o:p></o:p></span></h3><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Cash Option is FDIC-insured banking product similar to a savings account.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Four Investment Options designed for different investment objectives and risk tolerances: the Fixed Income, Conservative, Moderate and Aggressive portfolios.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Account owners can choose to: Deposit all of your money in the Cash Option, put all of your money in one or more of the Investment Options, or split your money between the Cash Option and one or more of the Investment Options.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>If you decide to split where you put the money in your account, you have to put at least $5 in each option that you select.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'>Examples of Qualified Disability Expenses</span><span style='font-size:12.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#1F3763;font-weight:normal'><o:p></o:p></span></h3><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>BASIC LIVING EXPENSES such as gas, electric, water, food, etc.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>HEALTH AND WELLNESS which can include but are not limited to medical bills, medication, exercise services, and medical equipment.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>HOUSING such as mortgage, property taxes, and rent.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>EDUCATION AND TRAINING which include textbooks, tuition, certification programs, and trade schools.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>EMPLOYMENT including work-related expenses, license and certification fees, and job coaching.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>TRANSPORTATION such as buses, metro, subway, taxi, Uber, Lyft, trains, and plane.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>FINANCIAL MANAGEMENT AND LEGAL FEES including tax preparation, legal and court fees, and financial advisor services.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>ASSISTIVE TECHNOLOGY including but not limited to hearing aids, computers, screen readers, and iDevices.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>BURIAL FEES AND EXPENSES including pre-planning fees, pre-paid cemetery plots, and funeral and burial expenses.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:2.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;line-height:106%;break-after:avoid'><span style='font-size:14.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'>Thinking About Opening a Maryland ABLE Account?</span><span style='font-size:13.0pt;line-height:106%;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal'><o:p></o:p></span></h2><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>You can visit the <a href="http://marylandable.org">marylandable.org</a> website or call customer support at 855-5MD-ABLE (563-2253). They are available Monday \u2013 Friday 9 A.M. to 9 P.M. Eastern Standard Time<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'>Enrolling in the Maryland ABLE program is an important decision for you and your family. Please read the entire Program Disclosure and Participation Agreement carefully before deciding to enroll. The Maryland ABLE Program Disclosure provides investment objectives, risks, expenses and costs, fees, and other information you should consider carefully before investing. If the Beneficiary lives outside of Maryland, you should consider any ABLE program offered by the Beneficiary\u2019s home state prior to making a decision to invest in the Maryland ABLE program. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision. Maryland ABLE accounts are not guaranteed by the State of Maryland, any state agency or subdivision thereof, or their authorized agents or affiliates. You could lose money by investing in a Maryland ABLE account. Consider investment objectives, risks, charges and expenses before investing.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'> <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'> <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'> <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:8.0pt;line-height:106%;break-after:avoid'><span style='font-size:11.0pt;line-height:106%;font-family:"Calibri",sans-serif'> <o:p></o:p></span></p></div></div></div></div></div></body></html>