{"slug":"mohitagw15856-disability-insurance-decoder","source_name":"mohitagw15856/disability-insurance-decoder","name":"Mohitagw15856/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","version":1,"lift":{"pass_rate_delta_pts":21.74,"pass_rate_pct":82.6,"total_cases":23,"passed_cases":19,"tokens_delta_pct":70.1,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.6-flash","grading_method":"judged","completed_at":"2026-08-14T16:36:52.801897+00:00"},"skill_score":0.8261,"benchmark_models":[{"model":"gemini-3.6-flash","headline":true,"delta_pts":21.74,"with_pass_pct":82.6,"without_pass_pct":60.9,"tokens_delta_pct":70.1,"turns_delta_pct":0,"total_cases":23,"cases_aggregated":23,"verdict":"mixed","never_hurt":false,"completed_at":"2026-08-14T16:36:52.801897+00:00","run_id":"562f2266-cbd1-438d-aa1e-19c451f6436a","version_number":1,"is_latest_version":true,"gate":null}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":true},"license":"MIT","install_count":0,"manifest_hash":"62be166876314e0b1c482bb9e37368873acceaf91267b160eded8a08c0f72374","raw_url":"https://app.decimal.ai/s/mohitagw15856-disability-insurance-decoder/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/mohitagw15856-disability-insurance-decoder"}