DI
Disability Insurance Decoder
🔵 Stable🕐 updated 2026-07-18
🔷 SkillSpec L3
pm-decoders
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.
What to give it
▸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.
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓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
⚠️ What it refuses to do
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
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="disability-insurance-decoder"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Disability Insurance Decoder is one of 599 open-source professional AI agent skills — all SkillSpec L3.
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