FRANKFORT, Ky (January 29, 2026) – Kentucky State Treasurer Mark H. Metcalf today announced major updates to STABLE Kentucky that will make the program more accessible and affordable for individuals with disabilities and their families.
“These updates strengthen an already powerful program,” said Treasurer Metcalf. “By lowering costs, expanding eligibility, and building on the success we’ve already seen, we’re helping more Kentuckians with disabilities achieve financial security and independence.”
Since Treasurer Metcalf took office, STABLE Kentucky has experienced significant growth. Today, the program manages more than $23 million in assets and serves families in 102 of Kentucky’s 120 counties — reflecting strong statewide demand and trust in the program.
STABLE Kentucky is the Commonwealth’s version of the federal Achieving a Better Life Experience (ABLE) program, allowing eligible individuals to save and invest without losing access to critical benefits.
Key changes beginning in 2026 include:
- Elimination of the account maintenance fee for partner-state accountholders.
- $25 enrollment incentive for new accounts once funded.
- Expanded eligibility for individuals whose disability began before age 46.
“These improvements remove barriers and put more control in the hands of families,” said Jordyn Pennington, Director of STABLE Kentucky. “With STABLE now in nearly every county, more families are building real financial independence.”
Funds in STABLE accounts grow tax-free and can be used for qualified disability expenses such as housing, healthcare, education, and transportation — without affecting eligibility for programs like Medicaid or Supplemental Security Income (SSI).
To learn more or open an account, visit www.stablekentucky.com or call 1-800-439-1653.