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Contributions to an ABLE account can be made by anyone, but total annual contributions may not exceed $15,000. Parents of a person with a disability, for example, can open an account for their child and invite friends and family to contribute to the account on birthdays or graduations. Qualified individuals of any age can open an ABLE account for themselves and be the sole contributors. If an account reaches $100,000 and the beneficiary is receiving Medicaid, Medicaid will not be interrupted. However, at the $100,000 point, SSA benefits will be suspended (not discontinued) until the account falls below that $100,000 threshold again. At any time, spending the savings in an ABLE account for purposes that do not qualify as disability-related expenses can be taxed and/or incur a penalty. The range of qualifying expenses, however, is so generous that incurring such penalties would be somewhat difficult to do.

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For $119 annually or $12.99 per month, an Amazon Prime membership delivers a host of benefits including free two-day shipping anywhere in the contiguous United States, over two million musical tracks, and Amazon Prime video. For entertainment value, the Prime Video component alone may make this subscription worthwhile for a blind or low vision person. A streaming video service (some shows can also be downloaded), Amazon Prime is a treasure trove of TV shows and movies, many of which feature audio description, which can be viewed on your smart phone or tablet as well as your computer or TV. If you heard about that Emmy-winning series, "The Marvelous Mrs. Maisel," for example, it's all right there on Amazon, free to Prime members, and includes great audio description. Other popular series are "Bosch," (based on the Michael Connelly thrillers), "Man in the High Castle," and "Downton Abbey." 2ff7e9595c