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.
Disability Insurance Decoder is a community-contributed Claude Code skill in the general-misc sub-category. It ships as a SKILL.md file that Claude Code auto-discovers under ~/.claude/skills/disability-insurance-decoder/ and loads when your prompt matches the skill's trigger.
When to invoke it: 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.
The Disability Insurance Decoder Claude Code skill is built for Claude Code users and developers across all disciplines looking for general-purpose AI assistance. It's part of ClaudSkills (also referred to as Claude Skills or Claude Code Skills) — the open community-curated registry of 174,000+ SKILL.md files for Anthropic's Claude Code agent and the wider Claude ecosystem (Claude API, Claude Agent SDK).
mkdir -p ~/.claude/skills/disability-insurance-decoder curl -L https://claudskills.com/skills/disability-insurance-decoder/SKILL.md \ -o ~/.claude/skills/disability-insurance-decoder/SKILL.md
Or just download SKILL.md directly and drop it into ~/.claude/skills/disability-insurance-decoder/. Claude Code auto-discovers it on next session.
Skills live at ~/.claude/skills/disability-insurance-decoder/SKILL.md on macOS/Linux, or %USERPROFILE%\.claude\skills\disability-insurance-decoder\SKILL.md on Windows. See the full install guide for step-by-step instructions.
Open @claudskills_bot on Telegram, tap Open Desktop App, and the desktop app installs this skill for you. Or share the bot link with a colleague — they get the same one-tap install. Learn more →
The ClaudSkills desktop app installs any skill directly into ~/.claude/skills/ with one click — no terminal required. Pro starts at $9/mo or $149 lifetime.
For the full experience including quality scoring and one-click install features for each skill — upgrade to Pro.
SKILL.md from the source repository to ~/.claude/skills/disability-insurance-decoder/SKILL.md and restart Claude Code. Both flows are detailed at claudskills.com/install/.SKILL.md file that lives under ~/.claude/skills/<name>/ and tells the Claude Code CLI agent how to perform a specific task (instructions, prompts, allowed tools). Skills are auto-discovered at session start. Disability Insurance Decoder is one of 67,000+ skills indexed in the open ClaudSkills catalog, classified under the General category. Learn more at /learn/what-is-a-claude-skill/.If you reference this skill in a blog post, paper, or documentation, you can cite it as:
@misc{disability-insurance-decoder-2026,
author = {mohitagw15856},
title = {Disability Insurance Decoder [Claude Code skill]},
year = {2026},
publisher = {ClaudSkills},
url = {https://claudskills.com/skills/disability-insurance-decoder/}
}Grade A · scanned 2026-08-02 — free static scan against the OWASP Agentic Skills Top 10.
No risk patterns were found in any of the ten OWASP-aligned categories. How grading works ›
Browse all General skills in the ClaudSkills registry, or explore these other picks from the same category:
Part of Acreator Store — Adam Lankamer's AI tools: PerfectStudio · Ucaption · UTagger · AutoXPoster · TestYourSkills · AutomationFlows · Au Naturel · Telegram @acreatorstore
SKILL.md files, not affiliated with, endorsed by, or sponsored by Anthropic.