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<DIV>Greetings to all!</DIV>
<DIV>Provided below is information pertaining to Achieving a Better Life
Experience, (ABLE) accounts.</DIV>
<DIV>Please read and share.</DIV>
<DIV> </DIV>
<DIV>We care. We share. We grow. We make a difference<BR>Joe Ruffalo,
President
<BR>National Federation of the Blind of New Jersey <BR>973 743
0075<BR>nfbnj1@verizon.net<BR><A
href="http://www.nfbnj.org">www.nfbnj.org</A></DIV>
<DIV>Raising Expectations To Live The Life We Want!</DIV>
<DIV> </DIV>
<DIV>**</DIV>
<DIV> </DIV>
<DIV>
<DIV
style='FONT-SIZE: small; TEXT-DECORATION: none; FONT-FAMILY: "Calibri";
FONT-WEIGHT: normal; COLOR: #000000; FONT-STYLE: normal; DISPLAY:
inline'><B>From:</B>
<A title=24kjo@optonline.net href="mailto:24kjo@optonline.net">Johanna
Baccan</A> </DIV>
<DIV style="FONT: 10pt tahoma">
<DIV style="BACKGROUND: #f5f5f5">
<DIV><B>Sent:</B> Friday, March 09, 2018 2:19 PM</DIV>
<DIV><B>To:</B> <A title=nfbnj1@verizon.net
href="mailto:nfbnj1@verizon.net">Joe
Ruffalo</A> </DIV>
<DIV><B>Subject:</B> Johanna Baccan information about FW: ABLE
Accounts</DIV></DIV></DIV>
<DIV>Dear Joe,</DIV>
<DIV> </DIV>
<DIV>I called Pamela Gaston. She looked this up and forwarded it to
me. I thought you would also like to have this for your records.
Pam
is such a great person and always goes above and beyond to help any of us in
the
Blind Community. We are lucky to have her at the Commission.</DIV>
<DIV> </DIV>
<DIV>Sincerely,</DIV>
<DIV> </DIV>
<DIV>Johanna </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV>From: Pamela.Gaston@dhs.state.nj.us
[mailto:Pamela.Gaston@dhs.state.nj.us]
</DIV>
<DIV>Sent: Friday, March 09, 2018 1:48 PM</DIV>
<DIV>To: 24kjo@optonline.net</DIV>
<DIV>Subject: ABLE Accounts</DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV>Achieving a Better Life Experience (ABLE)</DIV>
<DIV> </DIV>
<DIV>Enacted December 19, 2014, Public Law 113–295 <<A
href="https://www.congress.gov/113/plaws/publ295/PLAW-113publ295.pdf">https://www.congress.gov/113/plaws/publ295/PLAW-113publ295.pdf</A>>
, also known as The Stephen Beck, Jr., Achieving a Better Life Experience
Act
(ABLE Act), added Section 529A to the federal tax code. More commonly
referred
to as The ABLE act, this law allows eligible individuals with disabilities
and
their families to save money for disability related expenses in a tax-exempt
account known as an ABLE account.</DIV>
<DIV> </DIV>
<DIV>What are ABLE accounts?</DIV>
<DIV> </DIV>
<DIV>ABLE accounts are tax-advantaged savings accounts intended to encourage
and
assist individuals with disabilities and their families to save private
funds to
supplement benefits provided through private insurance, Medicaid,
supplemental
security income (SSI), employment, and other sources.</DIV>
<DIV> </DIV>
<DIV>Most individuals with disabilities depend on Medicaid to access
disability
related services needed to maintain health, independence, and quality of
life.
Establishing an ABLE account allows beneficiaries to save money for
disability
related expenses while maintaining eligibility for means tested Federal
benefit
programs. Money saved in an ABLE account will not affect an individual's
eligiblity for SSI (up to $100,000) and will allow the beneficiary to
maintain
eligibility for Medicaid and other public benefits. </DIV>
<DIV> </DIV>
<DIV>More information on ABLE accounts can be found on the following pages:
</DIV>
<DIV> </DIV>
<DIV>* ABLE National Resource Center <<A
href="http://www.ablenrc.org/about/what-are-able-accounts">http://www.ablenrc.org/about/what-are-able-accounts</A>>
</DIV>
<DIV>* Social Security: ABLE Accounts <<A
href="https://secure.ssa.gov/poms.nsf/lnx/0501130740">https://secure.ssa.gov/poms.nsf/lnx/0501130740</A>>
</DIV>
<DIV>* National Down Syndrome Society: ABLE Act Frequently
Asked Questions <<A
href="https://www.ndss.org/Global/Policy/ABLE/TheABLEAct-FrequentlyAskedQuestions-web.pdf">https://www.ndss.org/Global/Policy/ABLE/TheABLEAct-FrequentlyAskedQuestions-web.pdf</A>>
</DIV>
<DIV>* National Policy Matters: ABLE Accounts for People
with
Disabilities <<A
href="http://www.thearc.org/file/documents_publications/National-Policy-Matters--ABLE-Act.pdf">http://www.thearc.org/file/documents_publications/National-Policy-Matters--ABLE-Act.pdf</A>>
</DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV>Pamela L. Gaston</DIV>
<DIV> </DIV>
<DIV>Executive Assistant 3</DIV>
<DIV> </DIV>
<DIV>NJ Commission for the Blind and Visually Impaired</DIV>
<DIV> </DIV>
<DIV>153 Halsey St. 6th Floor</DIV>
<DIV> </DIV>
<DIV>P.O. Box 47017</DIV>
<DIV> </DIV>
<DIV>Newark, NJ 07102</DIV>
<DIV> </DIV>
<DIV>Office: 973-648-6149</DIV>
<DIV> </DIV>
<DIV>Cell: 973-900-2564</DIV>
<DIV> </DIV>
<DIV>Fax: 973-648-2043</DIV>
<DIV> </DIV>
<DIV>Pamela.Gaston@dhs.state.nj.us</DIV>
<DIV> </DIV>
<DIV> </DIV>
<DIV> </DIV></DIV></DIV></DIV></BODY></HTML>