What Every Lawyer Should Know About ABLE Accounts: Supporting People with Disabilities, Families, and Caregivers (Presented by the Federal Bar Association Federal Career Service Division, Civil Rights Law Section, Diversity & Inclusion Committee)

G. Alisa Ferguson
Eric Ochmanek
Charles J. “Chuck” Saia
G. Alisa Ferguson | ABLEnow
Eric Ochmanek | National Association of State Treasurers
Charles J. “Chuck” Saia | NH Governor’s Commission on Disability
On-Demand: April 9, 2025

1 hour CLE

Tuition: $395.00
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Program Summary

This CLE will provide an overview on how ABLE accounts can positively impact people with disabilities, their families, and their caregivers. It will also provide statutory background on ABLE accounts and will explain eligibility requirements, account management, contribution limits, qualified expenses, tax rules, and interactions with benefits programs (such as SSI and Medicaid). Finally, the CLE will provide practice pointers for the usage of ABLE accounts, including working in conjunction with special needs trusts.

The ABLE CLE will provide an overview on:

  • the benefits of ABLE accounts for people with disabilities;
  • the statutory/regulatory background on ABLE accounts; and
  • the practice pointers for the usage of ABLE accounts

Presented by the Federal Bar Association Federal Career Service Division, Civil Rights Law Section, Diversity & Inclusion Committee and the District of Columbia Chapter

Key topics to be discussed:

  • What is an ABLE Account
  • Statutory and Regulatory Background
  • Primary Benefits of an ABLE Account
  • Eligibility Rules
  • Enrollment Requirements
  • ABLE Account Management
    • Self-Administration
    •  Administration by a Third Party
  • Contribution Rules
  • Withdrawal Options
  • Qualified Expenses
  • Tax Benefits and Reporting
  • Consequences of Non-Qualified Expenditures
  • Means-Tested Benefits Interaction
  • Federal Agency Guidance
  • Examples for ABLE utilization with SSI
  • Death of an ABLE Account Owner
  • Medicaid Payback
  • Practice Pointers for ABLE and Trusts
  • ABLE and Settlements
  • ABLE and 529 College Savings Plans
  • Other Resources
  • Statutory and Regulatory Citations

Closed-captioning available

Speakers

G. Alisa Ferguson, Esq, Director | ABLEnow

Alisa Ferguson serves as the Director for Virginia’s Achieving a Better Life Experience (ABLE) program, ABLEnow, administered by Commonwealth Savers. In that role, she manages all aspects of the ABLEnow program, giving individuals with disabilities the opportunity to save without impacting necessary benefits. She previously served as Associate General Counsel providing legal support to Commonwealth Savers’ Board of Directors, CEO, General Counsel and the staff for all Commonwealth Savers education and ABLE savings programs. She joined Commonwealth Savers in 2011.

Prior to joining Commonwealth Savers, Alisa worked in private practice for 3 years as a trusts and estate attorney. She focused her practice in the areas of estate planning, special needs planning, and estate and trust administration.

Alisa graduated with honors from the University of Richmond School of Law. Alisa received her B.S. in Psychology with a minor in Criminal Justice from James Madison University. She is a member of the Virginia State Bar, Virginia Bar Association, the Metro Richmond Women’s Bar Association, the American Bar Association, and the Virginia Mountain Valley Lawyer’s Alliance. She serves as an Executive Board member of the ABLE Savings Plans Network (ASPN), Co-chair of the ASPN Strategic Planning Committee, and Co-chair of the ASPN Program Committee. Alisa is a member of the Women for Madison Executive Advisory Council for James Madison University and a past president of the Board of Directors for Medical Home Plus.

Alisa lives in Lexington, Virginia with her husband and four children.

 

Eric Ochmanek, Program Director | National Association of State Treasurers

Eric Ochmanek leads ABLE today at the National Association of State Treasurers (NAST) which advances financial empowerment for people with disabilities by increasing the awareness of ABLE accounts. ABLE today directly engages the disability community through national outreach, developing resources, and fostering partnerships for all ABLE programs.

Before joining NAST, Eric was a member of the Senior Staff in the Ohio Treasurer’s office, serving as Deputy Chief of Staff. In 2016, Eric worked to launch one of the first ABLE programs. He developed the in-state and national outreach for what would become one of the most utilized ABLE programs. He has traveled throughout the country to connect people with disabilities with ABLE accounts and built partnerships within the disability, financial, legal, and support service communities.

Previously, Eric worked for British Petroleum in the North America Gas division, the White House Office of Presidential Advance, and the U.S. Department of Health and Human Services in the Office of the Secretary. Eric is a graduate of Adrian College (Adrian, MI). He and his wife enjoy volunteering at their sons’ school and for their sports teams.

 

Charles J. “Chuck” Saia, Esq., Executive Director | NH Governor’s Commission on Disability

Charles J. “Chuck” Saia is the Executive Director of the New Hampshire Governor’s Commission on Disability (GCD), a crossdisability Executive Branch agency within the Governor’s Office. He also serves as the appointed co-administrator of New Hampshire’s ABLE plan, along with the State of New Hampshire’s State Treasurer, a role held since the launch of New Hampshire’s ABLE plan in 2017. Chuck works closely with the Governor’s Office, State agencies, the public and other stakeholders to improve accessibility for individuals with a disability in all facets throughout the State.

Chuck is licensed to practice law in NH and in years’ past, he has represented clients in various segments of the judicial process. Chuck received his B.A. from Boston College and J.D. from Suffolk University Law School.

Agenda

I. ABLE Accounts | 2:00pm – 2:10pm

II. Eligibility and Account Management | 2:10pm – 2:20pm

III. Contributions, Using ABLE Funds, and Taxes | 2:20pm – 2:30pm

IV. Interactions with Public Benefits | 2:30pm – 2:40pm

V. ABLE and Special Needs Planning | 2:40pm – 2:50pm

VI. Resources and Q&A | 2:50pm – 3:00pm

Credits

Alaska

Approved for CLE Credits
1 General

Our programs are CLE-eligible through Alaska’s recognition of multi-jurisdictional reciprocity.
Alabama

Approved for Self-Study Credits
1 General

Arkansas

Approved for CLE Credits
1 General

Arizona

Approved for CLE Credits
1 General

California

Approved for CLE Credits
1 General

Colorado

Pending CLE Approval
1 General

Connecticut

Approved for CLE Credits
1 General

District of Columbia

No MCLE Required
1 CLE Hour(s)

Delaware

Pending CLE Approval
1 General

Florida

Approved via Attorney Submission
1 General Hours

Receive CLE credit in Florida via attorney submission.
Georgia

Approved for CLE Credits
1 General

Hawaii

Approved for CLE Credits
1.2 General

Iowa

Pending CLE Approval
1 General

Idaho

Pending CLE Approval
1 General

Illinois

Pending CLE Approval
1 General

Indiana

Pending CLE Approval
1 General

Kansas

Pending CLE Approval
1 Substantive

Kentucky

Pending CLE Approval
1 General

Louisiana

Pending CLE Approval
1 General

Massachusetts

No MCLE Required
1 CLE Hour(s)

Maryland

No MCLE Required
1 CLE Hour(s)

Maine

Pending CLE Approval
1 General

Michigan

No MCLE Required
1 CLE Hour(s)

Minnesota

Approved for Self-Study Credits
1 General

Missouri

Approved for Self-Study Credits
1.2 General

Mississippi

Pending CLE Approval
1 General

Montana

Pending CLE Approval
1 General

North Carolina

Pending CLE Approval
1 General

North Dakota

Approved for CLE Credits
1 General

Our programs are CLE-eligible through North Dakota’s recognition of multi-jurisdictional reciprocity. Section 1, Policy 1.14
Nebraska

Pending CLE Approval
1 General

myLawCLE reports attendance to Nebraska on each attorney’s behalf for all programs. Please do not self-report.
New Hampshire

Approved for CLE Credits
60 General minutes

As of July 1, 2014, the NHMCLE Board no longer provides pre- or post-approval of courses. Attendees must self-determine whether a program is eligible for credit, and self-report their attendance online at www.nhbar.org, based on qualification provisions of Rule 53.
New Jersey

Approved for CLE Credits
1.2 General

Our programs are CLE-eligible through New Jersey’s recognition of multi-jurisdictional reciprocity, except for the courses required under BCLE Reg. 201:2
New Mexico

Approved for Self-Study Credits
1 General

Nevada

Pending CLE Approval
1 General

New York

Approved for CLE Credits
1.2 General

Our programs are CLE-eligible through New York’s Approved Jurisdiction Group “B”.
Ohio

Pending CLE Approval
1 General

Oklahoma

Pending CLE Approval
1 General

Oregon

Pending CLE Approval
1 General

Pennsylvania

Approved for Self-Study Credits
1 General

Rhode Island

Pending CLE Approval
1 General

South Carolina

Pending CLE Approval
1 General

South Dakota

No MCLE Required
1 CLE Hour(s)

Tennessee

Approved for Self-Study Credits
1 General

Texas

Approved for CLE Credits
1 General

Utah

Pending CLE Approval
1 General

Virginia

Pending CLE Approval
1 General

Vermont

Approved for CLE Credits
1 General

Washington

Approved via Attorney Submission
1 Law & Legal Hours

Receive CLE credit in Washignton via attorney submission.
Wisconsin

Approved for Self-Study Credits
1 General

West Virginia

Pending CLE Approval
1.2 General

Wyoming

Pending CLE Approval
1 General

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