But it is difficult to change mindsets, not only among employers but also among people with disabilities and their families, who worry that earning too much money will threaten their government benefits like Medicaid or Social Security income, she said. Many people don’t know they can access free specialists to advise them on programs that preserve their benefits, Morawiec said. They also can create tax-advantaged ABLE accounts that allow them to save money without threatening their benefit eligibility. Before Congress approved ABLE accounts in 2014, owning more than $2,000 in assets was grounds for having disability benefits taken away.