# 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.

## Facts
- Page: https://tashan.sh/capability/skill-mohitagw15856-disability-insurance-decoder
- tashan id: skill:mohitagw15856/disability-insurance-decoder
- Source: https://github.com/mohitagw15856/pm-claude-skills
- Type: skill
- Category: ai
- tashan score: not scored (catalogued only — too little public evidence)
- Adoption: 9.0
- Upkeep: 97.0
- Freshness: 94.0
- Evidence coverage: 84% of the inputs this score can use
- Health: active
- Instruction depth: not yet graded
- License: MIT
- Official: no

## Install

```sh
cp -r disability-insurance-decoder ~/.claude/skills/
```

## Security audit
Not scanned. We audit npm-published capabilities; this one has no npm package we can resolve, or has not reached the queue. This is not a clean bill of health.

---
Measured 2026-08-16 by tashan (https://tashan.sh) from public evidence. Scorer s5.