# DiscoverSeniorBenefits (remote · mcp.discoverseniorbenefits.com)

Find US senior benefits by ZIP and check eligibility via deterministic rules citing .gov sources.

- Trust score: 81/100 (high trust)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-01

## Components

- remote · `mcp.discoverseniorbenefits.com`: 81/100 (this document), [markdown](https://verifymcp.io/servers/com-discoverseniorbenefits-benefits/mcp.md), [page](https://verifymcp.io/servers/com-discoverseniorbenefits-benefits/mcp)

## Channel facts

- Endpoint: `https://mcp.discoverseniorbenefits.com/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 2026-10-01.

- **Endpoint Security**: 74/100
  - 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.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - 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**: 64/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 695 tokens (~231/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 87/100
  - Stability observed for 26 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 92/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 75% 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 3 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 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 DiscoverSeniorBenefits MCP server?

DiscoverSeniorBenefits is a hosted endpoint at https://mcp.discoverseniorbenefits.com/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 com-discoverseniorbenefits-benefits 'https://mcp.discoverseniorbenefits.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-discoverseniorbenefits-benefits": {
      "url": "https://mcp.discoverseniorbenefits.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-discoverseniorbenefits-benefits": {
      "type": "http",
      "url": "https://mcp.discoverseniorbenefits.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-discoverseniorbenefits-benefits]
url = "https://mcp.discoverseniorbenefits.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-discoverseniorbenefits-benefits": {
      "type": "remote",
      "url": "https://mcp.discoverseniorbenefits.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-discoverseniorbenefits-benefits --url 'https://mcp.discoverseniorbenefits.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-discoverseniorbenefits-benefits:
    url: "https://mcp.discoverseniorbenefits.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-discoverseniorbenefits-benefits": {
      "Transport": "http",
      "Url": "https://mcp.discoverseniorbenefits.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-discoverseniorbenefits-benefits -t streamable-http -u 'https://mcp.discoverseniorbenefits.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-discoverseniorbenefits-benefits": {
      "type": "http",
      "url": "https://mcp.discoverseniorbenefits.com/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.

### 2026-10-01 (score 81, +1)

- [functional] Server version: 0.1.0+08f61642fd17 → 0.1.0+848c01b02cfa

### 2026-09-30 (score 80, 0)

- [functional] Server version: 0.1.0+19f162ee708b → 0.1.0+08f61642fd17

### 2026-09-29 (score 80, +1)

- [functional] Server version: 0.1.0+7764361aa667 → 0.1.0+19f162ee708b

### 2026-09-28 (score 79, 0)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-27 (score 79, +1)

- [functional] Server version: 0.1.0+ae6eec244fda → 0.1.0+8ea6212f3f62

### 2026-09-26 (score 78, 0)

- [functional] Server version: 0.1.0+53354966ef9c → 0.1.0+ae6eec244fda

### 2026-09-25 (score 78, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-09-24 (score 77, 0)

- [functional] Server version: 0.1.0+0c8ecbd680e0 → 0.1.0+bbfa445b7d88

## MCP tools (3)

### `find_programs_by_zip` (~133 tokens)

Find benefit programs by ZIP code

List the federal, state, and county senior-benefit programs that apply where a person lives, from their 5-digit ZIP code. Each program includes its cited government source URL, a last-verified date, and an apply-guide link on discoverseniorbenefits.com. Optionally filter by jurisdiction level or category keyword.

Input parameters:

- `category` (string): Case-insensitive keyword matched against each program's category (e.g. 'food', 'property tax', 'utilities').
- `level` (string): Only return programs at this jurisdiction level.
- `zip` (string, required): 5-digit US ZIP code.

### `run_eligibility_scan` (~359 tokens)

Run a benefits eligibility check

Check which senior-benefit programs a person likely qualifies for, using a deterministic rule engine tied to cited .gov sources — no AI guessing. Only age and zip_code are required; every extra field provided turns needs-more-info programs into definite answers. Include marital_status whenever known — many programs' income limits depend on it, so it resolves far more programs than most fields. The full guided check at https://discoverseniorbenefits.com/scan covers additional signals.

Input parameters:

- `age` (integer, required): Age of the person the check is for.
- `disability_status` (boolean)
- `has_cognitive_impairment` (boolean): Memory loss, dementia, or a cognitive condition affecting daily judgment.
- `homeownership` (string)
- `household_income_annual` (integer): Approximate annual household income in dollars.
- `household_size` (integer)
- `is_blind` (boolean)
- `is_us_citizen` (boolean)
- `marital_status` (string): High-leverage: several income limits are set per single vs. couple, so those programs stay needs-more-info until this is provided.
- `needs_personal_care_assistance` (boolean): Needs regular help with daily activities (bathing, meals, mobility).
- `resources_estimate` (integer): Approximate countable savings/assets in dollars.
- `va_disability_rating` (integer): VA disability rating (lower bound of the bucket).
- `veteran_status` (string): Whether the person, spouse, or deceased spouse served.
- `wartime_service` (boolean): 90+ days active duty with at least one day in a VA wartime period.
- `zip_code` (string, required): 5-digit US ZIP code.

### `get_program_details` (~101 tokens)

Get benefit program details

Full public details for one program by its id (ids come from find_programs_by_zip or run_eligibility_scan): description, cited government source, how to apply, documents required, and the apply-guide link on discoverseniorbenefits.com.

Input parameters:

- `program_id` (string, required): Program id, e.g. 'fed.msp.qmb'.
- `state` (string): 2-letter state code; resolves state-specific application channels for federal programs.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-discoverseniorbenefits-benefits/mcp#diagnostics

## Score history

- 2026-10-01: 81
- 2026-09-30: 80
- 2026-09-29: 80
- 2026-09-28: 79
- 2026-09-27: 79
- 2026-09-26: 78
- 2026-09-25: 78
- 2026-09-24: 77
- 2026-09-23: 77
- 2026-09-22: 76
- 2026-09-21: 76
- 2026-09-20: 75
- 2026-09-19: 75
- 2026-09-18: 75
- 2026-09-17: 74
- 2026-09-16: 74
- 2026-09-15: 73
- 2026-09-14: 73
- 2026-09-13: 72
- 2026-09-12: 72
- 2026-09-11: 71
- 2026-09-10: 71
- 2026-09-09: 70
- 2026-09-08: 70
- 2026-09-07: 69
- 2026-09-06: 69
- 2026-09-05: 68

## Common questions

### What is the DiscoverSeniorBenefits MCP server?

DiscoverSeniorBenefits is an MCP server listed in the public MCP registry as com.discoverseniorbenefits/benefits. Find US senior benefits by ZIP and check eligibility via deterministic rules citing .gov sources. This page covers its hosted endpoint (https://mcp.discoverseniorbenefits.com/mcp).

### Is the DiscoverSeniorBenefits MCP server safe to use?

DiscoverSeniorBenefits scores 81 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 DiscoverSeniorBenefits MCP server expose?

DiscoverSeniorBenefits exposes 3 tools: find_programs_by_zip, run_eligibility_scan, get_program_details. Their descriptions and schemas cost roughly 593 tokens of context every time the server is loaded.

### Does the DiscoverSeniorBenefits MCP server require authentication?

No. We connected to DiscoverSeniorBenefits without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the DiscoverSeniorBenefits MCP server still maintained?

DiscoverSeniorBenefits is still listed as active in the MCP registry. We last reached this channel on 1 October 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://mcp.discoverseniorbenefits.com/mcp
- Website: https://discoverseniorbenefits.com/ai
- Changelog RSS feed: https://verifymcp.io/servers/com-discoverseniorbenefits-benefits/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-discoverseniorbenefits-benefits/mcp.json
- HTML version of this page: https://verifymcp.io/servers/com-discoverseniorbenefits-benefits/mcp