Organizational Authorized Legal Representatives

Frequently asked questions

What is an ALR?

An ALR is someone who is allowed under state and federal law to make financial decisions for a STABLE account beneficiary. You’re an ALR if you are selected by the eligible beneficiary with legal capacity, you have Power of Attorney, are a conservator or legal guardian, are a spouse, parent, sibling, or grandparent, or are a representative payee (individual or organization), in that order of priority.

Does the ALR own the account with the beneficiary?

No. Regardless of who opens and manages the account, the beneficiary is the sole owner of all the funds.

Can there be more than one ALR?

No. There can be only one ALR per account. However, an ALR can be added, changed or removed at any time by filling out one of our applicable forms.

As an ALR, can I open and/or manage more than one STABLE account?

Yes. As long as you meet the ALR qualifications, you can open and manage multiple STABLE accounts. Remember that each beneficiary can only have one account.

As an ALR, how do I add another STABLE account?

Start by logging in to your existing account. In the upper right corner of your screen, or in the navigation on your mobile device, find the icon next to your name that looks like a profile picture. Click on the arrow to enable a drop-down menu. Find the link that says, “Add account.” Click and follow the steps to add a new STABLE account.

Can an Authorized Legal Representative and beneficiary both have a STABLE Visa® Card?

If you’re the ALR for someone, you can order a card for yourself to make purchases for the beneficiary, a card for the beneficiary, or both. Each card has its own balance and spending controls, so you decide how funds will be used. The beneficiary will not have access to all the funds in the STABLE account. Beneficiaries can access only what has been loaded onto their STABLE Visa® Card.