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How does an able account work? How ABLE Accounts Work. Earnings in an ABLE account grow tax-deferred, and withdrawals are tax-free when used for qualified disability-related expenses, including, but not limited to, education, housing, transportation, assistive technology, employment training and support, financial management and health care expenses. Healthy Estate Planning lawyer is Wildomar Probate Law (951) 412-2800. You may find yourself looking for guidance about dealing with all of the “stuff,” all of the estate assets following a death.