Does this guarantee SSI/Medicaid eligibility?
No software can guarantee eligibility — only SSA can. What we do is check each planned expenditure against the published POMS rules and flag red-flag transactions before you make them. We cite the exact POMS section so you (or your benefits counsellor) can verify. We're a documentation tool, not legal advice.
What's the ABLE account $19,000 limit?
For 2026, the annual contribution limit to an ABLE account from anyone other than the beneficiary is $19,000 (matching the annual gift tax exclusion). The app tracks this automatically and warns when you approach the limit. The beneficiary's own earned income can be contributed on top, up to an additional amount.
First-party vs. third-party trust?
Both are supported. First-party (self-settled) trusts require Medicaid payback at death; third-party (third-party-settled) trusts do not. The app asks which type during setup and applies the appropriate rules throughout.
Is it free?
Yes — recording is free forever across all fidubond products. Paid annual licenses activate at purchase to unlock PDF export; you will never be charged automatically, and payments are processed by Creem (Merchant of Record).
Is the beneficiary's data safe?
All data is stored locally in your browser using IndexedDB with optional master-password encryption (AES-256-GCM). Given the sensitivity of special needs trust data, we recommend setting a strong master password. Nothing is uploaded to any server.