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The SSI Resource Limit is More Than $100,000 With ABLE Accounts – 2026 Spring National Conference – Track I (Presented by National Organization of Social Security Claimants’ Representatives)

Discover how ABLE accounts allow disability clients to save over $100,000 while preserving Supplemental Security Income eligibility, master eligibility rules, contribution limits, and qualified expenses.

2026-04-22 09:45:00

1 hours

Program Details

2026-04-22 09:45:00

Program Details

2026-04-22 09:45:00

Over 1,000+ webinars

2026-04-22 09:45:00

1 hours

Course Overview

Expand SSI Resource Protection with ABLE Accounts

2026-04-22 09:45:00

Attorneys learn how ABLE accounts interact with Supplemental Security Income resource limits and how to use them as resource-protection tools for disability clients. Practical guidance covers eligibility, account management, and allowable expenses.

Format

CLE Credit

1h CLE Credits

Level

Intermediate

Length

1

Key topics that will be covered

01
ABLE history
Understand the federal legislation that created ABLE accounts and its goals.
02
Trust comparison
Identify key differences between ABLE accounts and special needs trusts.
03
Contribution limits
Understand annual contribution limits and additional savings opportunities available.
04
Disability expenses
Apply examples of how ABLE funds can be used without affecting eligibility.
05
Housing expenses
Apply strategies for avoiding benefit reductions when paying living expenses.
06
Benefit Eligibility
Navigate Supplemental Security Income’s toughest financial eligibility rules using ABLE accounts.

Program schedule

clock 9:45 am - 10:45 am EST

The SSI Resource Limit is More Than $100,000 With ABLE Accounts

Discover the power of ABLE accounts, who qualifies, how to open one, and how they protect resources and help navigate some of Supplemental Security Income’s toughest financial eligibility rules for clients.

Eligible for up to 1 CLE Credit Hour

This session was originally submitted for CLE as a live, in-person presentation and a live webcast for the 2026 Spring National Conference and may be eligible for self-study credit. Each state handles self-study credit differently; for questions, please consult your State Bar Association.

Recorded Wednesday, April 22, 2026.

Debora WagnerDebora Wagner
Bette Ann MobleyBette Ann Mobley
Debora Wagner

Debora Wagner

Cornell University Yang-Tan Institute

Bette Ann Mobley

Bette Ann Mobley

Maryland ABLE Program

Debora Wagner

Debora Wagner

Cornell University Yang-Tan Institute

Debora Wagner is a nationally recognized specialist in Social Security work incentives and benefits law, with a career spanning legal services, law school clinical education, and policy-level training and advocacy. She spent 25 years representing individuals with disabilities in benefits cases before the Department of Veterans Affairs and the Social Security Administration, with a specialization in work incentives planning. Since December 2021, she has been a member of the Work Incentive Support Center at Cornell University’s Yang-Tan Institute, where she provides work incentives training and technical assistance. She serves on the Board of Directors of the National Association of Benefits and Work Incentives Specialists (NABWIS), on the SSA’s Standing Committee of Medical and Vocational Experts for Disability Programs, and became a member of the National Academy of Social Insurance in January 2025.

Education & Credentials

Debora's credentials reflect a distinguished career at the intersection of law, clinical education, and disability benefits advocacy. She has taught at the University of Cincinnati College of Law, the University of Denver Sturm College of Law, and Saint Louis University School of Law, with a focus on clinical legal education and poverty law. She has served as Managing Attorney at both Colorado Legal Services and the Legal Aid Society of Greater Cincinnati, and holds deep specialization in Social Security work incentives, VA benefits, and post-entitlement issues. (Specific academic credentials are not included in the provided biography.)

Recognition & Leadership

Debora serves on the Board of Directors of the National Association of Benefits and Work Incentives Specialists (NABWIS), a role she has held since June 2022, and on the Social Security Administration's Standing Committee of Medical and Vocational Experts for Disability Programs — two positions that place her among the most influential voices in the work incentives and disability benefits community. In January 2025, she was welcomed into the National Academy of Social Insurance, further recognizing her expertise and contributions to the field. She is frequently invited to present on Social Security post-entitlement issues and the intersection of VA and Social Security benefits.

Professional Involvement

Debora's professional involvement spans direct legal representation, law school clinical teaching, statewide training network support, and national policy engagement. From 2016 to 2022, she provided training and technical assistance to Ohio's statewide network of work incentives planners. Since joining Cornell University's Yang-Tan Institute in December 2021, she has continued that work at a national level through the Work Incentive Support Center. Her board service at NABWIS, her committee role at SSA, and her membership in the National Academy of Social Insurance reflect a career defined by sustained engagement at every level of the disability benefits ecosystem.

Experience

Over a 25-year career in legal services and law school clinical programs, Debora represented individuals with disabilities in benefits cases before the VA and the SSA, specializing in work incentives planning. She served as Managing Attorney at Colorado Legal Services and the Legal Aid Society of Greater Cincinnati, and taught clinical legal education and poverty law at three law schools. From 2016 to 2022, she supported Ohio's statewide work incentives planning network before joining Cornell University's Yang-Tan Institute in 2021. Her current work combines national training and technical assistance on work incentives with leadership roles at NABWIS and SSA's Standing Committee of Medical and Vocational Experts — making her one of the most experienced and broadly credentialed practitioners in the country on the intersection of work, disability, and federal benefits.
Bette Ann Mobley

Bette Ann Mobley

Maryland ABLE Program

Bette Ann Mobley is the Director of the Maryland ABLE Program, a position she has held since launching the program seven years ago. Under her leadership, Maryland ABLE has grown to serve more than 7,300 account holders with over $108.6 million saved and invested — a testament to her vision, outreach, and commitment to financial empowerment for people with disabilities. With more than 45 years of experience in the disability field, Bette Ann brings an unmatched depth of perspective to her work, having moved from direct support of individuals with disabilities and their families to statewide and national program leadership. She currently serves as Chair of the National Association of State Treasurers’ ABLE Savings Plan Network.

Education & Credentials

Bette Ann attended the University of Dayton in Dayton, Ohio, where she earned both a bachelor's degree in music therapy and a master's degree in education and counseling. Her interdisciplinary academic background — spanning therapeutic practice, education, and counseling — laid the foundation for a career dedicated to supporting individuals with disabilities across direct service, training, quality systems development, and organizational consultation. She is also Chair of the National Association of State Treasurers' ABLE Savings Plan Network, reflecting her recognized leadership at the national level.

Recognition & Leadership

Bette Ann's leadership accomplishments are among the most tangible in the disability financial empowerment space. She launched the Maryland ABLE Program seven years ago and has grown it to more than 7,300 account holders with over $108.6 million in savings and investments — concrete outcomes that reflect her effectiveness as a program builder and community outreach leader. She serves as Chair of the National Association of State Treasurers' ABLE Savings Plan Network, a national leadership role that amplifies Maryland's model and her expertise across the country. Her more than 45 years in the disability field have established her as a trusted authority on the financial and systemic challenges facing people with disabilities and their families.

Professional Involvement

Bette Ann is actively engaged with state and national organizations focused on disability policy and financial empowerment. As Chair of the National Association of State Treasurers' ABLE Savings Plan Network, she partners with organizations across the country to expand awareness and access to ABLE accounts. Her outreach work is driven by firsthand knowledge of the financial barriers facing people with disabilities — particularly the growing population of aging parents with adult children with disabilities living at home — and by a conviction that ABLE accounts represent a critical tool for independence and long-term security. She continues to present widely on the program and its benefits for individuals, families, and caregivers.

Experience

Bette Ann's more than 45 years in the disability field encompass direct support services, family advocacy, training and mentorship, quality systems development, and organizational consultation. She has served in numerous leadership roles with state and national disability organizations, building a career defined by both hands-on service and systemic impact. Seven years ago, she launched the Maryland ABLE Program — a tax-advantaged savings and investment program for individuals with disabilities — and has grown it into one of the country's notable state ABLE programs, with more than $108.6 million saved by over 7,300 account holders. As Director of Maryland ABLE and Chair of the National Association of State Treasurers' ABLE Savings Plan Network, she continues to champion financial empowerment and independence for people with disabilities, their families, and caregivers.
Debora Wagner

Debora Wagner

Cornell University Yang-Tan Institute

Debora Wagner is a nationally recognized specialist in Social Security work incentives and benefits law, with a career spanning legal services, law school clinical education, and policy-level training and advocacy. She spent 25 years representing individuals with disabilities in benefits cases before the Department of Veterans Affairs and the Social Security Administration, with a specialization in work incentives planning. Since December 2021, she has been a member of the Work Incentive Support Center at Cornell University’s Yang-Tan Institute, where she provides work incentives training and technical assistance. She serves on the Board of Directors of the National Association of Benefits and Work Incentives Specialists (NABWIS), on the SSA’s Standing Committee of Medical and Vocational Experts for Disability Programs, and became a member of the National Academy of Social Insurance in January 2025.

Education & Credentials

Debora's credentials reflect a distinguished career at the intersection of law, clinical education, and disability benefits advocacy. She has taught at the University of Cincinnati College of Law, the University of Denver Sturm College of Law, and Saint Louis University School of Law, with a focus on clinical legal education and poverty law. She has served as Managing Attorney at both Colorado Legal Services and the Legal Aid Society of Greater Cincinnati, and holds deep specialization in Social Security work incentives, VA benefits, and post-entitlement issues. (Specific academic credentials are not included in the provided biography.)

Recognition & Leadership

Debora serves on the Board of Directors of the National Association of Benefits and Work Incentives Specialists (NABWIS), a role she has held since June 2022, and on the Social Security Administration's Standing Committee of Medical and Vocational Experts for Disability Programs — two positions that place her among the most influential voices in the work incentives and disability benefits community. In January 2025, she was welcomed into the National Academy of Social Insurance, further recognizing her expertise and contributions to the field. She is frequently invited to present on Social Security post-entitlement issues and the intersection of VA and Social Security benefits.

Professional Involvement

Debora's professional involvement spans direct legal representation, law school clinical teaching, statewide training network support, and national policy engagement. From 2016 to 2022, she provided training and technical assistance to Ohio's statewide network of work incentives planners. Since joining Cornell University's Yang-Tan Institute in December 2021, she has continued that work at a national level through the Work Incentive Support Center. Her board service at NABWIS, her committee role at SSA, and her membership in the National Academy of Social Insurance reflect a career defined by sustained engagement at every level of the disability benefits ecosystem.

Experience

Over a 25-year career in legal services and law school clinical programs, Debora represented individuals with disabilities in benefits cases before the VA and the SSA, specializing in work incentives planning. She served as Managing Attorney at Colorado Legal Services and the Legal Aid Society of Greater Cincinnati, and taught clinical legal education and poverty law at three law schools. From 2016 to 2022, she supported Ohio's statewide work incentives planning network before joining Cornell University's Yang-Tan Institute in 2021. Her current work combines national training and technical assistance on work incentives with leadership roles at NABWIS and SSA's Standing Committee of Medical and Vocational Experts — making her one of the most experienced and broadly credentialed practitioners in the country on the intersection of work, disability, and federal benefits.
Bette Ann Mobley

Bette Ann Mobley

Maryland ABLE Program

Bette Ann Mobley is the Director of the Maryland ABLE Program, a position she has held since launching the program seven years ago. Under her leadership, Maryland ABLE has grown to serve more than 7,300 account holders with over $108.6 million saved and invested — a testament to her vision, outreach, and commitment to financial empowerment for people with disabilities. With more than 45 years of experience in the disability field, Bette Ann brings an unmatched depth of perspective to her work, having moved from direct support of individuals with disabilities and their families to statewide and national program leadership. She currently serves as Chair of the National Association of State Treasurers’ ABLE Savings Plan Network.

Education & Credentials

Bette Ann attended the University of Dayton in Dayton, Ohio, where she earned both a bachelor's degree in music therapy and a master's degree in education and counseling. Her interdisciplinary academic background — spanning therapeutic practice, education, and counseling — laid the foundation for a career dedicated to supporting individuals with disabilities across direct service, training, quality systems development, and organizational consultation. She is also Chair of the National Association of State Treasurers' ABLE Savings Plan Network, reflecting her recognized leadership at the national level.

Recognition & Leadership

Bette Ann's leadership accomplishments are among the most tangible in the disability financial empowerment space. She launched the Maryland ABLE Program seven years ago and has grown it to more than 7,300 account holders with over $108.6 million in savings and investments — concrete outcomes that reflect her effectiveness as a program builder and community outreach leader. She serves as Chair of the National Association of State Treasurers' ABLE Savings Plan Network, a national leadership role that amplifies Maryland's model and her expertise across the country. Her more than 45 years in the disability field have established her as a trusted authority on the financial and systemic challenges facing people with disabilities and their families.

Professional Involvement

Bette Ann is actively engaged with state and national organizations focused on disability policy and financial empowerment. As Chair of the National Association of State Treasurers' ABLE Savings Plan Network, she partners with organizations across the country to expand awareness and access to ABLE accounts. Her outreach work is driven by firsthand knowledge of the financial barriers facing people with disabilities — particularly the growing population of aging parents with adult children with disabilities living at home — and by a conviction that ABLE accounts represent a critical tool for independence and long-term security. She continues to present widely on the program and its benefits for individuals, families, and caregivers.

Experience

Bette Ann's more than 45 years in the disability field encompass direct support services, family advocacy, training and mentorship, quality systems development, and organizational consultation. She has served in numerous leadership roles with state and national disability organizations, building a career defined by both hands-on service and systemic impact. Seven years ago, she launched the Maryland ABLE Program — a tax-advantaged savings and investment program for individuals with disabilities — and has grown it into one of the country's notable state ABLE programs, with more than $108.6 million saved by over 7,300 account holders. As Director of Maryland ABLE and Chair of the National Association of State Treasurers' ABLE Savings Plan Network, she continues to champion financial empowerment and independence for people with disabilities, their families, and caregivers.

Credits by state

AK1.0
AL1.0
AR1.0
AZ1.0
CA1.0
CO1.0
CT1.0
DC
DE1.0
FL1.0
GA1.0
HI1.0
IA1.0
ID1.0
IL1.0
IN1.0
KS1.0
KY1.0
LA1.0
MA1.0
MD1.0
ME1.0
MI1.0
MN1.0
MO1.2
MS1.0
MT1.0
NC1.0
ND1.0
NE1.0
NH60.0
NJ1.0
NM1.0
NV1.0
NY1.0
OH1.0
OK1.0
OR1.0
PA1.0
RI1.0
SC1.0
SD1.0
TN1.0
TX1.0
UT1.0
VA1.0
VT1.0
WA1.0
WI1.0
WV1.2
WY1.0

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

10,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

MCLE Credits

Alabama
Approved
Alaska
Approved
Arizona
Approved
Arkansas
Approved
California
Approved
Colorado
Pending
Connecticut
Approved
Delaware
Pending
District of Columbia
No Required
Florida
Approved
Georgia
Approved
Hawaii
Approved
Idaho
Pending
Illinois
Not Eligible
Indiana
Approved
Iowa
Approved
Kansas
Pending
Kentucky
Pending
Louisiana
Pending
Maine
Pending
Maryland
No Required
Massachusetts
No Required
Michigan
No Required
Minnesota
Pending
Mississippi
Pending
Missouri
Approved
Montana
Approved
Nebraska
Pending
Nevada
Approved
New Hampshire
Approved
New Jersey
Approved
New Mexico
Approved
New York
Approved
North Carolina
Pending
North Dakota
Approved
Ohio
Approved
Oklahoma
Pending
Oregon
Pending
Pennsylvania
Approved
Rhode Island
Pending
South Carolina
Pending
South Dakota
No Required
Tennessee
Approved
Texas
Approved
Utah
Pending
Vermont
Approved
Virginia
Not Eligible
Washington
Approved
West Virginia
Pending
Wisconsin
Approved
Wyoming
Pending

Alabama

Requirements

The Alabama State Bar MCLE Commission requires attorneys to complete 12 credits, including 1 ethics, by December 31 of each year. All credits must be reported by February 15 of the following year. A maximum of 12 credits, including 1 ethics credit, may be carried over for 1 year only.  

Formats

  • Attorneys can earn unlimited “live” credit through live seminars, live webcasts, and co-sponsored locations with MyLAWCLE-Alabama approved programs
  • Attorneys are limited to 6 credits per compliance period of “online” programs through MyLAwCLE On-Demand programs