# Plan Before You Die facts (remote · planbeforeyoudie.app)

Checked US family-readiness facts with official sources: forms, state rules and deadlines.

- Trust score: 78/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `planbeforeyoudie.app`: 78/100 (this document), [markdown](https://verifymcp.io/servers/app-planbeforeyoudie-facts/planbeforeyoudie.md), [page](https://verifymcp.io/servers/app-planbeforeyoudie-facts/planbeforeyoudie)

## Channel facts

- Endpoint: `https://planbeforeyoudie.app/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 69/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 853 tokens (~106/item across 8 items; 8 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 40/100
  - Stability observed for 12 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 96/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 88% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 8 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Plan Before You Die facts MCP server?

Plan Before You Die facts is a hosted endpoint at https://planbeforeyoudie.app/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http app-planbeforeyoudie-facts 'https://planbeforeyoudie.app/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "app-planbeforeyoudie-facts": {
      "url": "https://planbeforeyoudie.app/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "app-planbeforeyoudie-facts": {
      "type": "http",
      "url": "https://planbeforeyoudie.app/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.app-planbeforeyoudie-facts]
url = "https://planbeforeyoudie.app/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "app-planbeforeyoudie-facts": {
      "type": "remote",
      "url": "https://planbeforeyoudie.app/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add app-planbeforeyoudie-facts --url 'https://planbeforeyoudie.app/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  app-planbeforeyoudie-facts:
    url: "https://planbeforeyoudie.app/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "app-planbeforeyoudie-facts": {
      "Transport": "http",
      "Url": "https://planbeforeyoudie.app/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add app-planbeforeyoudie-facts -t streamable-http -u 'https://planbeforeyoudie.app/mcp'
```

### Other

```json
{
  "mcpServers": {
    "app-planbeforeyoudie-facts": {
      "type": "http",
      "url": "https://planbeforeyoudie.app/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 77, +1)

- [security] The server rewrote its instructions, which are the text every model session reads

### 2026-11-01 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-28 (score 74, +1)

- [security] Tool “state_rules” rewrote its description, which is the text the model reads
- [functional regression] Schema quality: 91 → 102

### 2026-10-26 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-25 (score 72, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-24 (score 72)

First indexed and scored.

## MCP tools (8)

### `search_facts` (~80 tokens)

Search checked facts

Search checked facts about getting a family ready for illness or death: Medicare permission forms, Social Security, hospital stays, unclaimed money, and more. Each result has the official source, the date checked, and a guide link.

Input parameters:

- `query` (string, required): Plain words, like "medicare form for family" or "social security representative payee"

### `get_form` (~50 tokens)

Look up an official form

Look up an official form by code (for example CMS-10106) and get what it does in plain words, the official link, and our step-by-step guide.

Input parameters:

- `code` (string, required)

### `readiness_checklist` (~36 tokens)

Family Readiness Standard checklist

The Family Readiness Standard: 25 checks a family should be able to pass if someone gets sick or dies, grouped by area.

### `list_guides` (~27 tokens)

List free guides and tools

List the free guides and tools on planbeforeyoudie.app with their short answers.

### `after_death_deadlines` (~114 tokens)

After-death deadline calendar

Return the same sourced dates and conditional review checkpoints as the public calendar. It does not establish who can act or select a form.

Input parameters:

- `assets` (array, required)
- `date_of_death` (string, required)
- `executor_started` (string, required): Whether someone has started acting as executor. This does not establish authority
- `state` (string, required): State where the person lived
- `surviving_spouse` (string, required): Whether there is a surviving spouse
- `will` (string, required): Whether a will is known

### `state_rules` (~143 tokens)

Read a state reference row

Return the complete published state row, conditions and source passages, each with its official source and the date it was checked. Topics: death_certificates (death certificates), small_estate (small estate limits), estate_tax (estate and inheritance tax), unclaimed_money (unclaimed money), advance_directive_forms (advance directive forms), caregiver_programs (paid family caregiver programs), intestacy (who inherits without a will, from each state intestacy statute). This reference does not decide eligibility, a share of an estate, or any individual legal result.

Input parameters:

- `state` (string, required): U.S. state or District of Columbia
- `topic` (string, required): Published reference topic

### `inherited_ira_rule` (~249 tokens)

Inherited IRA rule and schedule

Use the existing sourced calculator. Returns review conditions and timing. Dollar amounts require an optional prior December 31 balance. It does not choose a spouse option or an election.

Input parameters:

- `account_type` (string, required): What type of account is it?
- `arrangement` (string): How is the inherited account held?
- `beneficiary_birth_year` (integer): Beneficiary's birth year
- `beneficiary_category` (string): Which beneficiary category applied at death?
- `child_under_21` (string): Was the owner's child under 21 at death?
- `date_of_death` (string): Owner's date of death
- `death_year_withdrawal_completed` (string): Did the owner complete the death-year withdrawal?
- `exact_ten_year_age_gap` (string): Do exact birth dates confirm the ten-year category?
- `existing_method` (string): Which existing method did the custodian confirm?
- `owner_birth_year` (integer): Owner's birth year
- `previous_dec31_balance` (string): Balance on December 31 before this year. Optional statement balance in dollars and cents
- `required_beginning_date` (string): What did the custodian confirm about the beginning date?

### `agency_permissions` (~60 tokens)

Read agency permission routes

Return the published agency routes with forms, conditions, incapacity and death limits. The situation selects a reading focus and never grants authority.

Input parameters:

- `agency` (string, required): Agency
- `situation` (string, required): Reading focus. All conditions remain in the returned rows

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/app-planbeforeyoudie-facts/planbeforeyoudie#diagnostics

## Score history

- 2026-11-05: 78
- 2026-11-04: 77
- 2026-11-03: 77
- 2026-11-02: 76
- 2026-11-01: 76
- 2026-10-31: 75
- 2026-10-30: 75
- 2026-10-29: 74
- 2026-10-28: 74
- 2026-10-27: 73
- 2026-10-26: 73
- 2026-10-25: 72
- 2026-10-24: 72

## Common questions

### What is the Plan Before You Die facts MCP server?

Plan Before You Die facts is an MCP server listed in the public MCP registry as app.planbeforeyoudie/facts. Checked US family-readiness facts with official sources: forms, state rules and deadlines. This page covers its hosted endpoint (https://planbeforeyoudie.app/mcp).

### Is the Plan Before You Die facts MCP server safe to use?

Plan Before You Die facts scores 78 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Plan Before You Die facts MCP server expose?

Plan Before You Die facts exposes 8 tools: search_facts, get_form, readiness_checklist, list_guides, after_death_deadlines, and 3 more. Their descriptions and schemas cost roughly 759 tokens of context every time the server is loaded.

### Does the Plan Before You Die facts MCP server require authentication?

No. We connected to Plan Before You Die facts without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Plan Before You Die facts MCP server still maintained?

Plan Before You Die facts is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://planbeforeyoudie.app/mcp
- Website: https://planbeforeyoudie.app/
- Changelog RSS feed: https://verifymcp.io/servers/app-planbeforeyoudie-facts/planbeforeyoudie.xml
- Changelog JSON feed: https://verifymcp.io/servers/app-planbeforeyoudie-facts/planbeforeyoudie.json
- HTML version of this page: https://verifymcp.io/servers/app-planbeforeyoudie-facts/planbeforeyoudie