---
type: Authority
title: RSMo §§209.600–209.645 (Missouri ABLE Program)
description: Missouri's ABLE statute, establishing the state's Achieving a Better Life Experience savings program for people with disabilities, tied to the federal definition in 26 U.S.C. §529A.
resource: https://revisor.mo.gov/main/OneSection.aspx?section=209.600
tags: [able-account, mo-able, disability, ssi, missouri]
timestamp: 2026-06-22
jurisdiction: Missouri
author: Patrick Nolan
authority_type: statute
citation: RSMo §§209.600–209.645
---

# Summary

RSMo §§209.600–209.645 is Missouri's ABLE statute, establishing the state's Achieving a Better Life Experience (MO ABLE) savings program for people with disabilities. It adopts the federal definition of an ABLE account in 26 U.S.C. §529A and sets the state framework for the accounts, which Missouri offers through the State Treasurer on the STABLE platform.

# Operative text

Paraphrased from key sections, verified against the official source:

- §209.600 (definitions): "ABLE account" has the same meaning as in 26 U.S.C. §529A; the program pays qualified disability expenses for a designated beneficiary.
- §§209.605 to 209.640 set up the program, its administration, and the treatment of accounts.
- §209.645: money in individual ABLE accounts is not part of "total state revenues" under Article X of the Missouri Constitution.

Read the full sections at the official source linked above.

# Decision rule

Because Missouri's ABLE program (RSMo §§209.600–209.645) tracks the federal §529A account, a Missourian with a qualifying disability can use a MO ABLE account for protected, owner-controlled savings; pair it with a special needs trust for larger sums and stronger protection.

# Related

- [MO ABLE Accounts](/okf/special-needs-trusts/able-accounts.md)
- [Special Needs Trust Overview](/okf/special-needs-trusts/overview.md)
- [26 U.S.C. §529A (federal ABLE Act)](/okf/authorities/federal/26-usc-529a-able.md)
- Official source: https://revisor.mo.gov/main/OneSection.aspx?section=209.600