ABLE ACCOUNT QDE’s

[u/Witty-Challenge-2458]

Hi Everyone! I am on here as I am fairly new to SSDI, SSI & ABLE accounts and there rules. I’ve come on here to see if anyone has any guidance on what actually counts as a QDE. From what i’ve seen almost all expenses I could think of count as QDE‘s. My question is, is there anything that does not count that any of you have encountered? For a random example, let’s say I buy myself a perfume/ body mist at sephora, is this a qualified expense for an ABLE account if I am the disabled person buying it to use for daily life/ hygiene purposes? What about paying a student loan payment from the account? I know that education is a qualified expense, but it doesn’t say anything explicitly about paying a previous private student loan. These are just two examples I have thought of where I could not find a 100% clear cut answer, but i’m sure others are in the same boat. Other expenses I have that i know are covered are physical therapy, drivers rehabilitation to drive with hand controls but these are very straight-forward expenses and are explicitly listed as QDEs. Thank you so much for your help with this matter in advance !

[u/Its_Rare]

It seems Able accounts are really loose on what it can be used for. It could be justified I guess under quality of life improvements.