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Grok+17 agentsDisability Insurance Decoder: Will It Actually Pay?
Decode a disability policy or employer LTD plan: own-occ vs. any-occ, the real benefit after offsets and tax, and the clauses that decide.
$5
Disability Insurance Decoder: Will It Actually Pay?
Example session with this skill installed
Employer LTD: 60% of base salary to a $8,000/month max, own-occupation for 24 months then any-occupation, offsets for Social Security disability and workers' comp, 90-day elimination period, mental health limited to 24 months, employer pays the premium. I earn $150k base plus ~$50k commission. Monthly expenses about $7,500. Decode this.
- Read your context and instructions
- Compiled the disability insurance decoder
Disability Coverage Decode: employer group LTD
1. The verdict
Your real monthly number is likely
$4,300–$5,300 after tax and before offsets, against $7,500 of expenses, because the plan covers base only and the employer-paid premium makes the benefit taxable. The definition that governs is own-occupation for only 24 months, after which you must be unable to do any reasonable occupation. The single clause most worth knowing: offsets can reduce the benefit further if Social Security disability is approved.
2. Definition decode
| Clause | The policy's words (quoted) | What it means when claiming | Severity |
|---|---|---|---|
| Covered earnings | "60% of base salary" | Your $50k commission is excluded; coverage is 60% of $150k, not of $200k | 🔴 |
| Own-occupation period | "own-occupation for 24 months then any-occupation" | After two years, benefits continue only if you can't do any suitable job | 🔴 |
| Offsets | "Social Security disability and workers' comp" | Approved SSDI is subtracted, not added | 🟡 |
| Elimination period | "90 days" | No benefit for the first three months; you need ~$22,500 of savings or short-term disability | 🟡 |
| Mental health | "limited to 24 months" | A mental-health claim stops at two years regardless | 🟡 |
| Premium | Employer-paid | Benefits are generally taxable income [verify] | 🟡 |
3. The benefit math
- Stated: 60% × $150,000 base = $90,000/yr = $7,500/month (under the $8,000 cap).
- Coverage ratio versus total income: $7,500 / ($200,000 ÷ 12 = $16,667) = 45%, not 60%.
- After tax
[verify: employer-paid premium → taxable]: at an assumed 25–30% effective rate → $5,250–$5,625/month. - After a hypothetical $2,000 SSDI offset: $3,250–$3,625/month.
- Versus expenses $7,500: shortfall of $1,900 to $4,250 per month depending on offsets.
4. 🚩 Red flags, ranked
- Base-only coverage — a $50k commission earner has a quarter of income uncovered. Dollar effect: $2,500/month gap at the 60% rate.
- 24-month own-occupation — a specialist who can't do their specialty but could do a desk job may lose benefits at month 25.
- Taxable benefit — the 60% headline is more like 42–45% net.
- SSDI offset — the plan captures the government benefit rather than stacking it.
5. The reliance checklist
Confirm in writing: whether commissions can be included via a plan rider · the exact own-occupation switch date · the full offset list · tax treatment given who pays · whether the coverage is portable if you leave. The gap a supplemental individual policy would need to fill: roughly $2,000–$4,000/month, ideally own-occupation to 65 and non-taxable (premium paid with after-tax dollars). That's a description of the gap, not a recommendation.
This is a plain-language reading, not legal/financial advice — laws vary by jurisdiction; confirm anything load-bearing with a qualified professional.
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What you get
About this skill
The problem
People assume '60% of salary' means 60% of their income. It usually means 60% of base only, before offsets, sometimes taxed, under a definition that switches after two years. The gap shows up at the worst possible moment.
What it does
- Decodes the definitions: own-occupation vs. any-occupation and the switch date, total vs. partial disability, pre-existing lookbacks.
- Works the benefit math: stated percentage, minus offsets, minus tax, to the real monthly number.
- Ranks red flags: offset clauses, mental-health limits, base-only coverage, elimination periods.
- Builds the reliance checklist of what to confirm in writing.
- Describes the gap a supplemental policy would need to fill, without selling one.
Why this beats prompting it yourself
A general prompt explains what LTD is. This skill computes your real monthly benefit against your real expenses, flags the definition that governs your claim, and marks every assumption to verify.
Use cases
- Reviewing employer LTD during open enrollment.
- A commission-heavy earner checking what's really covered.
- Understanding a 24-month own-occupation limit.
- Deciding whether a supplemental individual policy is needed.
Known limitations
Not financial or legal advice. Tax treatment depends on who pays the premium and how; the skill labels those assumptions verify. Decodes the certificate or summary plan description provided and lists what's missing.
How to install
Works the same in every agent - Claude, Cursor, Codex, Copilot and 20+ more.
- 1
Download the ZIP
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- 2
Unzip into your skills folder
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- 3
Ask your agent to use it
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