You actually have to show the person is severely disabled to get the ABLE account. The type of autism where you can go to college, work and get married would not qualify. |
While it's true that you need to have a severe disability, the test is not whether you can go to college, work, and get married. You need to either receive SSI or SSDI or you need a certification from a doctor that you meet the "marked and severe" functional limitations standard required by statute. I just wanted to say that so that someone casually reading this thread doesn't assume their kid doesn't qualify. There are absolutely people with disabilities who have ABLE accounts who have college educations, have jobs, etc. |
| If some ASD kids didn't work and marry there wouldn't be DCUM posters asking about their SN kids and burying the lede that spouse is ASD. |
Yeah but they have non-cognitive disabilities like being blind or deaf or physically disabled. High functioning autism of the type where the person goes to school and works normally would not be covered. |
The point is that a diagnosis of autism alone doesn’t qualify for most types of disability benefits like SSI and the ABLE account. You have to show it causes severe limitations. Anyway, I think the key is that OP can’t really know her child’s limitations yet. I have a friend with a kid the same age as my DS and even though they got the same level 1 autism diagnosis, over time it has become clear that they have diverged and he may not be able to be totally independent or go to college. |
An autism dx DOES qualify one for an ABLE account. Just having the dx satisfies the requirements of the physician form, part A, that the dr will sign if the person is not already on SSI. Also, you do typically not have to upload this form when opening an account-you self certify. But no, you don't have to be dx with a certain 'level' to be able to open an ABLE account. The dx of autism is the qualifier. |
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Yes, you should pencil in some amount of into-adulthood support for your child in your long-term financial planning.
My parents still pay auto insurance and cell phone bill for my high-IQ, “high-functioning” 32-year-old sister. She’s out of the family home, but has never held a job for longer than 22 months. If you end up with extra money in your investments/savings, well, great! |
No it does not. You have to have a doctor certify that it is disabling. |
The dr will certify it because of the autism diagnosis, itself. It fits the criteria. |
No they won’t. This is what the Maryland form says: “ This Individual has a severe medically determinable impairment** that results in marked and severe functional limitations which have lasted or can be expected to last for a continuous period of not less than 12 months and/or can be expected to result in death. I understand that “marked and severe functional limitations” means functional limitations that meet, medically equal, or functionally equal the severity of any listing in appendix 1 of subpart P of 20 CFR part 404 (the “Listing”), but without regard to age. The Listing can be found at www.ssa. gov/OP_Home/cfr20/404/404-app-p01.htm. I further understand that the level of severity is determined by taking into account the effect of the individual’s prescribed treatment.” |
| Part of the dx of autism is that. That is why the dx of autism qualifies. |
It’s literally not. “Low support” means low functional impairment. |
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"low support' is not a dx.
OP and others here-you can call or chat with the ABLE plan for your state and they will explain it. It also explains it on the plan's websites. |
And eligibility is not determined by the diagnosis (other than blindness) but by the degree of impairment. |
The autism is the impairment. I'm not sure why you are continuing to dispense misinformation, but people can call or chat with their state's ABLE plan for accurate information-since we are just internet nobodys here. |