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Agent skill

Disability Insurance Decoder

by mohitagw15856 in mohitagw15856/pm-claude-skills

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.

MITAuto-check passed

Install Disability Insurance Decoder

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill disability-insurance-decoder -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills disability-insurance-decoder --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/disability-insurance-decoder .claude/skills/disability-insurance-decoder && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
disability-insurance-decoder
GitHub stars
1.4k
Token cost
~1.4k tokens
SKILL.md length
709 words
Files
2 (incl. references)
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

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.

  • Someone asks is my disability insurance any good
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Severity Scale and Output Format, plus 4 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
  • Decode my LTD policy

What it does

Disability Insurance Decoder is an agent skill from mohitagw15856/pm-claude-skills. 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.

Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including reference files (for example `references/worked-example.md`).

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Someone asks is my disability insurance any good
  • Decode my LTD policy
  • What does own-occupation mean
  • How much would I actually get

Example prompts

  • “is my disability insurance any good”
  • “decode my LTD policy”
  • “what does own-occupation mean”
  • “/disability-insurance-decoder”

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Disability Insurance Decoder loads about 1.4k tokens when it runs, and up to ~2.8k if it reads all its reference files. Until then it costs about 136 tokens; SKILL.md has 709 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~136
When it runs · the whole SKILL.md, loaded when a task matches
~1.4k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~2.8k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 709 words, ~1,449 tokens.

Download SKILL.mdSave it as .claude/skills/disability-insurance-decoder/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.
name
disability-insurance-decoder
description
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.

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 matters. Decode what's provided, list what's missing.
  • Their income shape — base vs. bonus/commission split (many plans cover base only — a 40%-commission earner has half the coverage they think).
  • Who pays the premium and how — employer-paid pre-tax vs. self-paid post-tax generally flips whether benefits are taxed; flag as jurisdiction/plan-dependent.
  • Their occupation — the own-occ vs. any-occ distinction bites hardest for specialized professionals.

Framework: Severity Scale

  • 🔴 Can cost you real money — any-occupation definitions (benefits stop if you can do any job you're suited for — quote the exact wording), the own-occ-for-24-months-then-any-occ switch (the industry's quietest clause; find the date), offset stacking (Social Security, state disability, workers' comp all subtracted — the stated 60% is a ceiling, not a floor), base-salary-only coverage for variable-comp earners, 24-month benefit caps on mental-health and self-reported-symptom claims, pre-existing exclusion look-backs that catch recent diagnoses.
  • 🟡 Unusual — clarify before relying — long elimination periods vs. their emergency fund (a 180-day wait needs 6 months of runway), residual/partial disability terms (can they work part-time and collect?), portability on leaving the employer (usually none — flag it), cost-of-living riders absent on long benefit periods.
  • 🟢 Standard — ordinary elimination periods with adequate runway, true own-occupation definitions, standard exclusions; label the strong parts — a good policy deserves confidence.

Always show the math: stated benefit → minus each quoted offset → tax treatment applied (flagged as depends-on-premium-payer, verify) → the real monthly number vs. their real monthly expenses. The gap between those last two numbers is the finding.

Output Format

Show full SKILL.md (296 more words)Show less
Disability Coverage Decode: [policy/plan]

1. The verdict — the real monthly number vs. their expenses, the definition that governs, and the single clause most worth knowing about.

2. Definition decode

ClauseThe policy's words (quoted)What it means when claimingSeverity

3. The benefit math — stated % → offsets → taxes → real number, arithmetic shown, assumptions labeled [verify].

4. 🚩 Red flags, ranked — quoted language, the claim scenario where it bites, the dollar effect.

5. The reliance checklist — what to confirm in writing (own-occ switch date, offset list, tax treatment, portability), and the gap a supplemental individual policy would need to fill — described, not sold.

End the artifact with, verbatim: "This is a plain-language reading, not legal/financial advice — laws vary by jurisdiction; confirm anything load-bearing with a qualified professional."

Quality Checks

  • Own-occ vs. any-occ is quoted verbatim, with any switch date extracted
  • The benefit math runs all the way to a real monthly number vs. real expenses
  • Offsets are listed from the policy text, never assumed absent
  • Tax treatment is flagged as premium-payer-dependent, not asserted
  • Variable-comp earners get the base-only check explicitly
  • The disclaimer line appears verbatim in the artifact

Anti-Patterns

  • Do not invent definitions or offsets that aren't in the documents
  • Do not let the stated percentage stand as the headline — the after-everything number is the headline
  • Do not present tax and benefit-coordination rules as universal — they vary by jurisdiction and plan
  • Do not soften the any-occ finding — for a specialist, it's the difference between covered and not
  • Do not sell products — naming the gap is the job; filling it is the user's shopping trip

Based On

Policyholder-side disability review practice — definition-first reading, offset math, claim-scenario testing.

Example Trigger Phrases

  • "Is my disability insurance any good?"
  • "Decode my LTD policy."
  • "What does own-occupation mean?"
  • "How much would I actually get?"

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 1 other file (references) in skills/disability-insurance-decoder of mohitagw15856/pm-claude-skills.

  • SKILL.md
  • references/worked-example.md

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Disability Insurance Decoder next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Disability Insurance Decoder compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Disability Insurance Decoder this skillmohitagw15856/pm-claude-skills1.4k—~1.4kAutomated safety check: PassMIT
Implementing Policy As Code With Open Policy Agentmukul975/Anthropic-Cybersecurity-Skills34k—~2.6kAutomated safety check: NotesApache-2.0
Policy Draftinganthropics/claude-for-legal9.6k2 repos~1.4kAutomated safety check: PassApache-2.0
Policy Acknowledgementsickn33/agentic-awesome-skills47k1 repos~3.4kAutomated safety check: PassMIT
Privacy Policythedaviddias/Front-End-Checklist74k—~617Automated safety check: PassMIT
Editorial Policythedaviddias/Front-End-Checklist74k—~763Automated safety check: PassMIT

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Questions about Disability Insurance Decoder

What does Disability Insurance Decoder 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. Disability Insurance Decoder is an agent skill from mohitagw15856/pm-claude-skills. 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.

When should I use Disability Insurance Decoder?

Disability Insurance Decoder fits situations like: someone asks is my disability insurance any good; decode my LTD policy; what does own-occupation mean; how much would I actually get.

How do I install Disability Insurance Decoder in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill disability-insurance-decoder -a claude-code`. Or copy the skill folder (skills/disability-insurance-decoder in mohitagw15856/pm-claude-skills) into .claude/skills/disability-insurance-decoder in your project. Claude Code loads it when a task matches its description.

How do I install Disability Insurance Decoder in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill disability-insurance-decoder -a codex`. Or copy the skill folder (skills/disability-insurance-decoder in mohitagw15856/pm-claude-skills) into .agents/skills/disability-insurance-decoder in your project. Codex loads it when a task matches its description.

Can I use Disability Insurance Decoder in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill disability-insurance-decoder -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/disability-insurance-decoder, .gemini/skills/disability-insurance-decoder, .github/skills/disability-insurance-decoder and .opencode/skills/disability-insurance-decoder in your project.

What does Disability Insurance Decoder need to run?

SKILL.md names no scripts, command-line tools or credentials: Disability Insurance Decoder is instructions for the agent only.

Does Disability Insurance Decoder access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Disability Insurance Decoder safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Disability Insurance Decoder use?

Disability Insurance Decoder is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Disability Insurance Decoder use?

About 1.4k tokens (SKILL.md is roughly 5.8k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 1.3k tokens, read only when the agent opens those files.

What are the alternatives to Disability Insurance Decoder?

Skills that share tags, products or a category with Disability Insurance Decoder: Implementing Policy As Code With Open Policy Agent (mukul975/Anthropic-Cybersecurity-Skills, 34k stars), Policy Drafting (anthropics/claude-for-legal, 9.6k stars), Policy Acknowledgement (sickn33/agentic-awesome-skills, 47k stars) and Privacy Policy (thedaviddias/Front-End-Checklist, 74k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Disability Insurance Decoder?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.