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disability-insurance-decoder

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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.

plugins/pm-decoders/skills/disability-insurance-decoder/SKILL.md

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Network or broad shell
Last checked
Nov 9, 2026

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1,539
Repository last updated
Nov 9, 2026
License
MIT

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# 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

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