So, who is eligible to even have one of these accounts? There are already going to be restrictions on who can open an ABLE account. It has to be a person with a significant disability, and how is significant disability defined, well, if that person has been determined to be disabled by the Social Security Administration, they have a significant disability. This person has to have their disability start prior to age 26. Why do they have that limitation on there? Who knows. It is just is a random arbitrary limitation. Everybody has been kind of speculating as to where the age 26 came from and the only thing we can find is in the Affordable Care Act you’re allowed to keep your children covered until the age 26. Maybe age 26 is going to be the new age 21, 21 was the new age 18. Maybe they’re just realizing that hey, people remain dependent for a longer period of time, so they just picked age 26. You have to be able to prove to the satisfaction to the ABLE program that you have a significant disability and that that disability started prior to the age 26. The easiest way to do that is to be on SSI or SSDI prior to the age of 26. So if any of you are wondering should we apply for social security benefits now or should we wait, this would be one reason why you want to go ahead and do it. Not to mention you might get cash benefits to pay for the disability of the beneficiary. So, gotta be able to prove that you meet these requirements. If you have not received SSI or SSDI prior to the age 26 but the disabling condition did start prior to the age of 26 you should still be eligible to have an ABLE account. There just will be some additional proof that will have to be provided and the regulations will tell us what that additional proof will need to be. Now this person is referred to in the law as the designated beneficiary and also as the account owner. The disabled person will be considered both the beneficiary and the owner of this account.