disability-insurance-decoder
Decode a disability insurance policy or employer LTD plan — own-occupation vs any-occupation, the benefit math after offsets and taxes, and the definitions that decide whether it pays. Use when someone asks 'is my disability insurance any good', 'decode my LTD policy', 'what does own-occupation mean', or 'how much would I actually get'. Produces a definition decode of the clauses that decide claims, the real benefit math after offsets, ranked red flags, and the questions to ask before relying on the coverage.
npx skills add mohitagw15856/pm-claude-skills --skill disability-insurance-decoder --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Disability Insurance Decoder Skill Disability insurance is the coverage most likely to be needed and least likely to be read — and its entire value hides in definitions. "60% of income" can mean 60%, or it can mean 60% of base-only, minus Social Security, minus state benefits, taxed — call it 31%. Whether you're "disabled" at all depends on two words: *own* occupation or *any* occupation, and on which date that definition quietly changes. This skill reads the definitions like a claims adjuster will. ## What This Skill Produces - The definition decode: own-occ vs. any-occ (and the switch date), "total" vs. "residual" disability, pre-existing look-back windows - The real benefit math: stated % → after offsets → after taxes (premium-payer rule) → real monthly number - Ranked red flags: offset clauses, benefit-period limits for mental-health/musculoskeletal claims, the 24-month own-occ switch - The reliance checklist — what to confirm with HR or the insurer before treating this coverage as a plan ## Required Inputs Ask for these only if they aren't already provided: - **The policy or plan documents** — the certificate/summary plan description; the definitions section is the one that
- What This Skill Produces
- Required Inputs
- Framework: Severity Scale
- Output Format
- Disability Coverage Decode: [policy/plan]
- Quality Checks
- Anti-Patterns
- Based On
What does the disability-insurance-decoder skill do?
Decode a disability insurance policy or employer LTD plan — own-occupation vs any-occupation, the benefit math after offsets and taxes, and the definitions that decide whether it pays. Use when someone asks 'is my disability insurance any good', 'decode my LTD policy', 'what does own-occupation mean', or 'how much would I actually get'. Produces a definition decode of the clauses that decide claims, the real benefit math after offsets, ranked red flags, and the questions to ask before relying on the coverage.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill disability-insurance-decoder --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.