Household with a member who has a disability or neurodivergence, ABLE account, SSI/SSDI, special needs trust.
X-04 is the household where at least one member has a disability or neurodivergence material to financial planning — ABLE-account eligibility, SSI / SSDI interaction, special-needs-trust structuring, and Medicaid asset-test preservation are the diagnostic surfaces.
X-04 represents a household whose financial planning is shaped by the means-tested-benefits and asset-protection landscape that disability creates. The diagnostic surface for tax and benefits software is the interaction between Achieving a Better Life Experience Act (ABLE) accounts under §529A — available to individuals whose disability onset occurred before age 26 (raised to 46 under SECURE 2.0 for tax years 2026+), with annual contribution limits matching the gift-tax annual exclusion ($18,000 for 2024 plus additional earned-income contributions up to the federal poverty line for working beneficiaries) and balances up to $100,000 excluded from SSI asset testing — and means-tested benefits including SSI ($943/month federal benefit rate 2024 with $2,000 individual asset limit), SSDI (no asset test but with substantial-gainful-activity earnings limits at $1,550/month 2024 for non-blind), and Medicaid (state-administered, asset limits varying widely). The special-needs trust under §1917(d)(4)(A) (first-party / self-settled) and §1917(d)(4)(C) (pooled) is the dominant asset-protection vehicle for households needing to preserve benefit eligibility while holding meaningful resources.
The corpus is mass-market in income ($64k median) with a substantial asset base relative to income ($230k median net worth), 60% homeownership, and substantial credit-card and auto-loan incidence. Median age 40 with a range to 59 reflects the working-age and parent-of-disabled-adult populations the archetype is meant to cover. The structural challenge is that conventional retirement-readiness and goal-funding logic does not account for the means-tested-benefit asset-test cliffs: a household that 'should' save aggressively into a beneficiary's name has to route those contributions through ABLE or a properly-drafted SNT to avoid benefits disqualification. Caregiver-cost burden (medical, behavioral, respite, transportation) is also above base rate for the income tier.
What distinguishes X-04 from neighbouring archetypes is the asset-test and benefit-eligibility surface. HC-02 (Disability Claimant) is the closely related but distinct archetype where the disabled member is the primary earner who has transitioned to SSDI or long-term disability — the testing surface is income replacement and return-to-work pathways. X-04 is broader: households where any member's disability shapes the planning, including parents planning for a disabled adult child, households with autistic or ADHD members navigating account-management accessibility, and households whose ABLE-and-SNT structure is the central planning vehicle. Households whose primary income is caregiver-provided to an aging parent are S-04. Households whose disability is a permanent military service-connected condition are MV-03.
Aggregated across the 15 X-04 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
David and Erica are a mid-fifties domestic partnership in Savannah sitting at the corpus income median ($64.5k) with net worth ($512k) well above the median ($230k), driven primarily by accumulated home equity against $198k of total liabilities. The seed does not encode an ABLE account, a special-needs trust, SSI/SSDI income, or a Medicaid flag on any member — the only disability-coded field is a standard long-term-disability insurance policy of the kind any W-2 employee may carry. This household represents the X-04 testing posture for the planning surface rather than a directly-coded disability case: buyers building ABLE/SNT/SSDI/Medicaid workflows should treat the rep as a structural placeholder and apply their own overlays, since the v3 corpus does not surface those features as discrete fields. The diagnostic flag pattern (debt-payoff on track, retirement off track at a $1.25M target) is consistent with a mass-market mid-career household where retirement-savings capacity is constrained, but the archetype's defining benefits-eligibility surface is not exercised numerically in the seed.
Every X-04 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Three buyer profiles draw on X-04 most heavily. Benefits-administration and government-services platforms use it for SSI / SSDI eligibility logic, ABLE-account contribution-cap modeling under both the standard and working-beneficiary tiers, and Medicaid asset-test compliance flows where contribution and gift transactions need pre-clearance against §1917(c) 60-month look-back rules. Wealth-platform engineering teams supporting special-needs-planning advisory practices use it for SNT funding workflows (first-party, third-party, pooled), beneficiary-designation routing to trust rather than individual, and integration with state-level ABLE program providers. Tax-software vendors use it for §213 medical-expense deduction handling on above-base-rate medical and behavioral-therapy costs, dependent-care FSA election logic for disabled-dependent qualification, and the Credit for the Elderly or Disabled under §22.
X-04 is broader than HC-02. HC-02 (Disability Claimant) specifically models the household where the disabled member was the primary W-2 earner and has transitioned to SSDI or LTD income — the test surface there is income replacement and return-to-work. X-04 covers the wider population of households where any member's disability shapes planning, including parents of disabled adult children and households with neurodivergent dependents who do not draw SSI / SSDI directly. Caregiver-for-aging-parent households are S-04, not X-04. Military service-connected disability with VA benefits and TDIU eligibility is MV-03. UHNW households where the disability planning is mediated through dynasty trusts and private foundations belong in H-03 with X-04 overlay. The corpus is written with respect for the demographic and stays focused on the technical and regulatory testing surface — accessibility-aware UI design is a relevant but separately scoped product question.
Income and net-worth bands during v3 synthesis were anchored to mass-market segments of the Federal Reserve Survey of Consumer Finances filtered for households reporting a disabled member, supplemented by Social Security Administration and Census Bureau ACS disability-prevalence statistics by age band. ABLE-account holding rates and SNT prevalence were informed by ABLE National Resource Center and Special Needs Alliance published industry data; no published probabilistic prior on SNT funding amounts by household income was used. State distribution (NY, CA, TX concentration) reflects mass-market population concentration; ABLE program availability varies state-by-state but the corpus does not model program-specific feature differences. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code, so calibration claims are descriptive rather than reproducible.
Disability Claimant — the household where the disabled member is the primary earner who has transitioned to SSDI or LTD. Use HC-02 when the test surface is income replacement and return-to-work; X-04 is the broader corpus including planning for disabled dependents.
Caregiver for an aging parent. Use S-04 when the planning question is dependent-elderly-parent care, Medicaid spend-down for the parent, and caregiver tax credits — not disability planning for a household member directly.
Disabled veteran with VA-administered disability compensation, TDIU eligibility, and Concurrent Retirement and Disability Pay (CRDP). Different benefits administration and tax treatment — VA compensation is non-taxable, SSDI / SSI are not.
Low-income working family at similar mass-market income tier but without the disability-planning surface. Reach for U-02 when EITC and refundable-credit eligibility is the dominant test surface.
X-04 — Neurodiverse / Disability Household represents a mass-market household with one or more members whose disability or neurodivergence is material to financial planning. Median income $64,498, median net worth $229,733. The defining planning surface is ABLE-account eligibility, SSI / SSDI interaction, special-needs-trust structuring, and Medicaid asset-test preservation.
ABLE-account contribution caps under §529A including the working-beneficiary earned-income tier, SSI $2,000 asset-limit testing against the $100,000 ABLE exclusion, SSDI substantial-gainful-activity earnings testing at $1,550/month (2024), and Medicaid §1917 look-back-period compliance.
HC-02 specifically models the household where the disabled member is the primary earner who has transitioned to SSDI or LTD — the diagnostic surface is income replacement. X-04 is broader: any household where any member's disability shapes planning, including parents planning for disabled adult children and households with neurodivergent dependents.
First-party (self-settled) special-needs trusts under §1917(d)(4)(A), pooled SNTs under §1917(d)(4)(C), and third-party SNTs (typically funded by parents or grandparents and outside §1917 entirely). Each has different funding-source, distribution, and Medicaid-payback characteristics that downstream products must model.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/, with disability-status, ABLE-eligibility, and SNT-presence flags applied as overlay attributes. Per-domain version constants are surfaced in each household's _meta block.
No. The shipped 1,451-household v3 corpus is frozen and not regenerable from current code (drift confirmed 2026-05-09). Sampler improvements land in a future v4 release with per-archetype golden fixtures in CI to prevent silent drift.
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