[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6XFDAMV141VT8BM674H4EG3":3,"skill-same:01M6XFDAMV141VT8BM674H4EG3":67},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":36,"linkOnly":37,"markdownContent":38,"markdownBody":39,"frontMatter":40,"refName":45,"commitSha":46,"skillDirectory":47,"forksCount":48,"repositoryHtmlUrl":49,"repositoryHomepageUrl":6,"ownerHtmlUrl":50,"ownerBlogUrl":6,"ownerDescription":51,"updatedAt":52,"install":53,"resources":66},"01M6XFDAMV141VT8BM674H4EG3","benefits-guide",null,"Writes employee benefits guides explaining health insurance, retirement plans, PTO, and perks in plain language. Use when onboarding new hires or updating benefits documentation.","FDU-INS\u002FInsurance-Skills","FDU-INS","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F167067594?v=4","01M6XEYMRS4CVJMZ834YWE66BV","FDU-Insurance","01M6XEYMXPDA34HFM0ZE6AY78G",82,"Apache-2.0","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fbenefits-guide\u002FSKILL.md",[],[19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35],"benefits guide","guide","benefits","language","new","insurance","when","plain","guides","plans","documentation","use","write","read","health","onboarding","health insurance","2026-11-10 10:12:30",false,"---\nname: benefits-guide\ndescription: \"Writes employee benefits guides explaining health insurance, retirement plans, PTO, and perks in plain language. Use when onboarding new hires or updating benefits documentation.\"\nallowed-tools: Read Write Glob\nmetadata:\n  author: matthewhitcham\n  version: \"1.0\"\n---\n\n# Benefits Guide\n\n## When to Use This Skill\n\nUse this skill when you need to:\n- Create an employee benefits guide for new hires\n- Rewrite complex benefits information in plain language\n- Document a new benefits package for your growing team\n- Update an existing guide with new perks or policy changes\n\n**DO NOT** use this skill for benefits plan selection, insurance broker negotiations, or legal compliance documents. This is for communicating benefits clearly to employees.\n\n---\n\n## Core Principle\n\nIF AN EMPLOYEE HAS TO ASK HR TO EXPLAIN A BENEFIT, THE GUIDE HAS FAILED — WRITE AT AN 8TH-GRADE READING LEVEL WITH CONCRETE EXAMPLES.\n\n---\n\n## Phase 1: Brief\n\n### Required Inputs\n\n| Input | What to Ask | Default |\n|-------|------------|---------|\n| **Benefits offered** | \"List all benefits you offer (health, dental, vision, 401k, PTO, remote stipend, etc.)\" | Must be provided |\n| **Company size** | \"How many employees?\" | 5-25 |\n| **Eligibility rules** | \"When do benefits kick in? (day 1, after 30 days, after 90 days)\" | Day 1 for full-time |\n| **Enrollment details** | \"Open enrollment dates? How do employees sign up?\" | Annual open enrollment |\n| **Audience** | \"New hires, all employees, or specific group?\" | All employees |\n| **Tone** | \"Formal HR document or conversational guide?\" | Conversational and clear |\n\n**GATE: Confirm brief before proceeding.**\n\n---\n\n## Phase 2: Outline\n\n### Standard Guide Sections\n\n1. **Welcome and overview** — what is included at a glance\n2. **Health and wellness** — medical, dental, vision, mental health\n3. **Financial benefits** — retirement, equity, bonuses\n4. **Time off** — PTO, sick days, holidays, parental leave\n5. **Work perks** — remote stipend, learning budget, wellness allowance\n6. **Eligibility and enrollment** — who qualifies, how to enroll, key dates\n7. **FAQ** — top 10 questions employees actually ask\n8. **Contacts and resources** — who to ask, where to go\n\n**GATE: Present outline and confirm which sections apply before writing.**\n\n---\n\n## Phase 3: Write\n\n### Writing Rules\n\n- Use plain language — \"You pay $50\u002Fmonth for individual coverage\" not \"Employee contribution for single-tier enrollment\"\n- Include dollar amounts and specific numbers wherever possible\n- Add a real-world example for every complex benefit (especially insurance deductibles and 401k matching)\n- Use comparison tables for plan options\n- Bold key numbers: costs, dates, deadlines\n- Include \"What this means for you\" callouts after technical sections\n\n### Section Format\n\nEach benefit section follows this structure:\n1. **What it is** — one-sentence plain-language explanation\n2. **What you get** — specific coverage, amounts, or allowances\n3. **What it costs you** — employee contribution if any\n4. **How to use it** — enrollment steps, claims process, or access instructions\n5. **Example** — concrete scenario showing the benefit in action\n\n---\n\n## Phase 4: Polish\n\n### Final Deliverables\n\n1. **Complete benefits guide** — formatted for the stated audience\n2. **Quick-reference card** — one-page summary with key numbers and dates\n3. **New hire email template** — welcome message pointing to the guide with enrollment deadlines\n4. **FAQ section** — answers to the 10 most common benefits questions\n\n---\n\n## Example 1: Startup Benefits Guide (15 people, basic package)\n\n**Health:** Company covers 80% of premiums. You pay ~$120\u002Fmonth for individual, ~$350\u002Fmonth for family.\n**PTO:** Unlimited PTO with a 2-week minimum encouraged. No accrual, no payout.\n**Learning:** $500\u002Fyear learning stipend for courses, books, or conferences.\n\n## Example 2: Growing Company (50 people, comprehensive package)\n\n**Health:** Choice of two plans — PPO ($150\u002Fmo) or HDHP with HSA ($80\u002Fmo + $1,500 company HSA contribution).\n**Retirement:** 401(k) with 4% company match, vested immediately.\n**Parental Leave:** 12 weeks paid for all parents, biological or adoptive.\n\n---\n\n## Anti-Patterns\n\n- **Insurance jargon without translation** — \"coinsurance,\" \"out-of-pocket maximum,\" and \"deductible\" need plain-English definitions with examples.\n- **Missing dollar amounts** — \"competitive benefits\" means nothing. Show the numbers.\n- **Burying enrollment deadlines** — if someone misses open enrollment because it was on page 47, the guide failed. Put dates up front.\n- **One giant PDF** — break it into scannable sections with a table of contents. Nobody reads a 30-page document cover to cover.\n- **Forgetting part-time or contractor differences** — if eligibility varies, state it clearly per employment type.\n\n---\n\n## Recovery\n\n- **User unsure of benefit details:** Ask for their insurance broker contact or benefits portal login page. Work with available information and flag gaps.\n- **Very few benefits to document:** Focus on what exists and frame it positively. Even PTO and flexible hours deserve a clear writeup.\n- **Benefits vary by location:** Create a base guide with location-specific addenda or comparison tables.\n- **User wants to attract talent with the guide:** Shift tone toward employer branding — emphasize total compensation value and unique perks.\n","# Benefits Guide\n\n## When to Use This Skill\n\nUse this skill when you need to:\n- Create an employee benefits guide for new hires\n- Rewrite complex benefits information in plain language\n- Document a new benefits package for your growing team\n- Update an existing guide with new perks or policy changes\n\n**DO NOT** use this skill for benefits plan selection, insurance broker negotiations, or legal compliance documents. This is for communicating benefits clearly to employees.\n\n---\n\n## Core Principle\n\nIF AN EMPLOYEE HAS TO ASK HR TO EXPLAIN A BENEFIT, THE GUIDE HAS FAILED — WRITE AT AN 8TH-GRADE READING LEVEL WITH CONCRETE EXAMPLES.\n\n---\n\n## Phase 1: Brief\n\n### Required Inputs\n\n| Input | What to Ask | Default |\n|-------|------------|---------|\n| **Benefits offered** | \"List all benefits you offer (health, dental, vision, 401k, PTO, remote stipend, etc.)\" | Must be provided |\n| **Company size** | \"How many employees?\" | 5-25 |\n| **Eligibility rules** | \"When do benefits kick in? (day 1, after 30 days, after 90 days)\" | Day 1 for full-time |\n| **Enrollment details** | \"Open enrollment dates? How do employees sign up?\" | Annual open enrollment |\n| **Audience** | \"New hires, all employees, or specific group?\" | All employees |\n| **Tone** | \"Formal HR document or conversational guide?\" | Conversational and clear |\n\n**GATE: Confirm brief before proceeding.**\n\n---\n\n## Phase 2: Outline\n\n### Standard Guide Sections\n\n1. **Welcome and overview** — what is included at a glance\n2. **Health and wellness** — medical, dental, vision, mental health\n3. **Financial benefits** — retirement, equity, bonuses\n4. **Time off** — PTO, sick days, holidays, parental leave\n5. **Work perks** — remote stipend, learning budget, wellness allowance\n6. **Eligibility and enrollment** — who qualifies, how to enroll, key dates\n7. **FAQ** — top 10 questions employees actually ask\n8. **Contacts and resources** — who to ask, where to go\n\n**GATE: Present outline and confirm which sections apply before writing.**\n\n---\n\n## Phase 3: Write\n\n### Writing Rules\n\n- Use plain language — \"You pay $50\u002Fmonth for individual coverage\" not \"Employee contribution for single-tier enrollment\"\n- Include dollar amounts and specific numbers wherever possible\n- Add a real-world example for every complex benefit (especially insurance deductibles and 401k matching)\n- Use comparison tables for plan options\n- Bold key numbers: costs, dates, deadlines\n- Include \"What this means for you\" callouts after technical sections\n\n### Section Format\n\nEach benefit section follows this structure:\n1. **What it is** — one-sentence plain-language explanation\n2. **What you get** — specific coverage, amounts, or allowances\n3. **What it costs you** — employee contribution if any\n4. **How to use it** — enrollment steps, claims process, or access instructions\n5. **Example** — concrete scenario showing the benefit in action\n\n---\n\n## Phase 4: Polish\n\n### Final Deliverables\n\n1. **Complete benefits guide** — formatted for the stated audience\n2. **Quick-reference card** — one-page summary with key numbers and dates\n3. **New hire email template** — welcome message pointing to the guide with enrollment deadlines\n4. **FAQ section** — answers to the 10 most common benefits questions\n\n---\n\n## Example 1: Startup Benefits Guide (15 people, basic package)\n\n**Health:** Company covers 80% of premiums. You pay ~$120\u002Fmonth for individual, ~$350\u002Fmonth for family.\n**PTO:** Unlimited PTO with a 2-week minimum encouraged. No accrual, no payout.\n**Learning:** $500\u002Fyear learning stipend for courses, books, or conferences.\n\n## Example 2: Growing Company (50 people, comprehensive package)\n\n**Health:** Choice of two plans — PPO ($150\u002Fmo) or HDHP with HSA ($80\u002Fmo + $1,500 company HSA contribution).\n**Retirement:** 401(k) with 4% company match, vested immediately.\n**Parental Leave:** 12 weeks paid for all parents, biological or adoptive.\n\n---\n\n## Anti-Patterns\n\n- **Insurance jargon without translation** — \"coinsurance,\" \"out-of-pocket maximum,\" and \"deductible\" need plain-English definitions with examples.\n- **Missing dollar amounts** — \"competitive benefits\" means nothing. Show the numbers.\n- **Burying enrollment deadlines** — if someone misses open enrollment because it was on page 47, the guide failed. Put dates up front.\n- **One giant PDF** — break it into scannable sections with a table of contents. Nobody reads a 30-page document cover to cover.\n- **Forgetting part-time or contractor differences** — if eligibility varies, state it clearly per employment type.\n\n---\n\n## Recovery\n\n- **User unsure of benefit details:** Ask for their insurance broker contact or benefits portal login page. Work with available information and flag gaps.\n- **Very few benefits to document:** Focus on what exists and frame it positively. Even PTO and flexible hours deserve a clear writeup.\n- **Benefits vary by location:** Create a base guide with location-specific addenda or comparison tables.\n- **User wants to attract talent with the guide:** Shift tone toward employer branding — emphasize total compensation value and unique perks.\n",{"name":5,"metadata":41,"description":7,"allowed-tools":44},{"author":42,"version":43},"matthewhitcham","1.0","Read Write Glob","main","b22eca2e974f918ce591c5b2bd829fb7510e0191","Skills\u002Fbenefits-guide",18,"https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills","https:\u002F\u002Fgithub.com\u002FFDU-INS","Fudan University Department of Risk Management and Insurance","2026-07-12 12:54:34",{"source":8,"skillName":5,"commands":54,"prompt":64,"zipAvailable":65},[55,58,61],{"tool":56,"command":57},"npx","npx skills add FDU-INS\u002FInsurance-Skills --skill benefits-guide",{"tool":59,"command":60},"bunx","bunx skills add FDU-INS\u002FInsurance-Skills --skill benefits-guide",{"tool":62,"command":63},"pnpm","pnpm dlx skills add FDU-INS\u002FInsurance-Skills --skill benefits-guide","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fbenefits-guide\u002FSKILL.md",true,[],[68,97,121,152,173,206],{"skillNo":69,"name":70,"nameZh":6,"description":71,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":72,"categories":73,"keywords":79,"publishedAt":36},"01M713QW6EGEG0YAD75440GSD0","로인장 (Roinjiang)","Activates when the user needs legal advice, contract review, insurance law consultation, startup legal support, or any legal\u002Fregulatory matter. She is a top-tier in-house lawyer with absolute loyalty to the CEO, specializing in insurance law, financial consumer protection, privacy, contracts, labor law, family law, civil and criminal matters.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002F로인장 (Roinjiang)\u002FSKILL.md",[74],{"categoryNo":75,"categoryName":76,"taxonomyType":77,"taxonomyTypeDesc":78},"01JBSEEDCAT000000000000037","律师与法务","PROFESSION","适用职业",[70,80,24,81,82,83,25,84,85,86,87,88,89,90,91,92,93,94,95,96],"insurance law","civil","contract","family","review","loyalty","with","top","contract review","ceo","support","advice","consultation","regulatory","privacy","protection","startup",{"skillNo":98,"name":99,"nameZh":6,"description":100,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":101,"categories":102,"keywords":103,"publishedAt":36},"01M713QRN8VFMA9VKS6R4DJ2WS","zocdoc-doctor-finder","Use when a user needs to find a doctor, dentist, specialist, therapist, or healthcare provider — especially when they mention insurance, in-network, availability, location, appointments, or booking. Also use for browsing provider reviews, comparing doctors by specialty, or checking if a provider takes their insurance.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzocdoc-doctor-finder\u002FSKILL.md",[],[104,105,106,107,24,108,109,25,110,111,112,113,114,115,116,117,118,119,30,120],"zocdoc doctor finder","doctor","healthcare","reviews","browser automation","access","browsing","browser","booking","network","therapist","computer","availability","for","provider","tool","automation",{"skillNo":122,"name":123,"nameZh":6,"description":124,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":125,"categories":126,"keywords":132,"publishedAt":36},"01M713QKGV3FTX7EEYWKDM8ENZ","zenmux-context","Answers any question about ZenMux by reading the latest official documentation. Use this skill whenever the user asks about ZenMux product features, API usage, configuration, integration, pricing, models, providers, routing, fallback, streaming, multimodal, structured output, tool calling, reasoning, prompt caching, image generation, video generation, web search, long context, observability, logs, cost tracking, usage analytics, insurance, subscription, pay-as-you-go, invoices, best practices for tools like Claude Code, Cursor, Cline, CodeX, Gemini CLI, opencode, Cherry Studio, Obsidian, Sider, Open-WebUI, Dify, Neovate, GitHub Copilot, OpenClaw, CC-Switch, Immersive Translate, Studio Chat, architecture, benchmarks, FAQ, contact, privacy, terms of service, compliance, or any other ZenMux-related topic. Also trigger when the user writes in Chinese about ZenMux: 文档, 使用指南, 快速开始, API 参考, 最佳实践, 模型路由, 供应商路由, 订阅, 按量计费, 可观测性, 帮助, 常见问题, 接入指南, 配置. Trigger on phrases like \"how to use ZenMux\", \"ZenMux docs\", \"ZenMux API\", \"ZenMux integration\", \"ZenMux 怎么用\", \"ZenMux 接入\", \"ZenMux 配置\". Even if the user doesn't say \"ZenMux\" explicitly but asks about LLM API aggregation, model routing, provider fallback in a context where ZenMux is the project being worked on, this skill should activate.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fzenmux-context\u002FSKILL.md",[127],{"categoryNo":128,"categoryName":129,"taxonomyType":130,"taxonomyTypeDesc":131},"01JBSEEDCAT000000000000016","图像与多媒体","SCENARIO","使用场景",[133,134,135,136,24,137,138,139,140,141,142,143,144,145,146,147,148,149,150,151],"context","zenmux context","Video","chinese","project","web search","translate","search","open","question","pay","image","you","activate","architecture","logs","streaming","cherry studio","how",{"skillNo":153,"name":154,"nameZh":6,"description":155,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":156,"categories":157,"keywords":158,"publishedAt":36},"01M713QHWTBG634BCBV7NBJME1","workers-comp-guide","Guide workers compensation compliance and claims management.\nTRIGGERS - Use when user needs help with workers-comp-guide related tasks.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fworkers-comp-guide\u002FSKILL.md",[],[159,160,161,162,20,24,163,164,30,25,165,86,166,167,168,169,170,171,172],"workers","comp","workers comp","workers comp guide","triggers","workers-comp","tasks","claims management","claims","compliance","help","compensation","management","user",{"skillNo":174,"name":175,"nameZh":6,"description":176,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":177,"categories":178,"keywords":188,"publishedAt":36},"01M713QF45VMV1685AFNF1GPMA","weekly-kpi-report","Generate McKinsey-style board presentation PPTs from weekly auto insurance data. Automatically calculates 16+ KPIs, creates executive-level slides with actionable insights, and supports week-over-week comparisons. Use when user uploads insurance cost data (Excel\u002FCSV) and requests board report, weekly presentation, executive briefing, or mentions keywords like 董事会汇报, 周报PPT, 经营分析演示, McKinsey-style reports.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fweekly-kpi-report\u002FSKILL.md",[179,182,185],{"categoryNo":180,"categoryName":181,"taxonomyType":130,"taxonomyTypeDesc":131},"01JBSEEDCAT000000000000003","演示文稿",{"categoryNo":183,"categoryName":184,"taxonomyType":130,"taxonomyTypeDesc":131},"01JBSEEDCAT000000000000004","电子表格",{"categoryNo":186,"categoryName":187,"taxonomyType":77,"taxonomyTypeDesc":78},"01JBSEEDCAT000000000000034","行政与办公人员",[189,190,191,192,193,24,194,195,196,197,25,198,199,200,201,202,203,204,30,205],"weekly","weekly kpi report","kpi","report","xlsx","actionable","insights","briefing","auto","board report","reports","generate","演示","data","presentation","slides","uploads",{"skillNo":207,"name":208,"nameZh":6,"description":209,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":210,"categories":211,"keywords":215,"publishedAt":36},"01M713QA9WJDHMNVTTY1ENRKVB","wealth-advisory","Wealth management and financial planning for HNW and UHNW clients. Activate when the user\nmentions wealth management, financial planning, retirement, estate planning, tax planning,\nGRAT, IDGT, trust, asset allocation, withdrawal rate, Monte Carlo simulation, goals-based\ninvesting, tax-loss harvesting, Roth conversion, insurance, annuity, mortgage strategy,\nconcentrated stock, family office, direct indexing, 529 plan, charitable giving, donor-advised\nfund, private foundation, or asks about personal finance strategy, inheritance, long-term\nfinancial planning, or UHNW advisory.","https:\u002F\u002Fgithub.com\u002FFDU-INS\u002FInsurance-Skills\u002Fblob\u002Fmain\u002FSkills\u002Fwealth-advisory\u002FSKILL.md",[212],{"categoryNo":213,"categoryName":214,"taxonomyType":77,"taxonomyTypeDesc":78},"01JBSEEDCAT000000000000040","财务",[216,217,24,218,219,25,146,220,221,222,223,224,225,226,227,228,229,230,231,232],"wealth advisory","advisory","stock","inheritance","conversion","indexing","plan","simulation","personal finance","rate","allocation","asset","direct","personal","investing","trust","planning"]