H.R.4644

ABLE Employment Flexibility Act

Introduced·7/23/25

Allows employers to contribute to ABLE accounts instead of retirement plans.

The ABLE Employment Flexibility Act amends the Internal Revenue Code to allow employers to contribute to Achieving a Better Life Experience (ABLE) accounts for employees in lieu of retirement plan contributions. These contributions are treated as made by the employee and are disregarded for certain means-tested federal programs. The bill also mandates the Secretary of the Treasury to update employer publications to inform employees about the option to contribute to ABLE accounts. This change aims to provide more flexibility for working individuals with disabilities.

Included in complete analysis

  • Overview
  • Core Provisions
  • Implementation
  • Impact
  • Legal Framework
  • Critical Issues

See what it does, who it affects, and the critical issues in plain language. Free, 30 seconds.

Where it stands

Current
Ways And Means Committee
Next
Committee decision

Sponsors

Democratic CaucusRepublican Caucus

History

Jul 23, 2025

House

Introduced in House

Jul 23, 2025

House

Referred to the House Committee on Ways and Means.