ABLE Employment Flexibility Act

This bill allows employers to contribute directly to an employee's ABLE account (a savings account for people with disabilities) instead of a retirement plan, without violating retirement plan rules. It specifically ensures that when employers make these ABLE contributions, they are treated as valid contributions for retirement plan compliance purposes and do not disqualify the employee from federal benefits like Medicaid. The law requires employers to offer this option universally to all eligible ABLE account holders who participate in their retirement plans. It also clarifies that these employer contributions to ABLE accounts won't count toward income limits for means-tested federal programs. This directly affects working individuals with disabilities who use ABLE accounts to save without losing government benefits.