diff --git a/packages/skill/tool-skill/src/index.ts b/packages/skill/tool-skill/src/index.ts
index ca9d6fea05..9c19aac4de 100644
--- a/packages/skill/tool-skill/src/index.ts
+++ b/packages/skill/tool-skill/src/index.ts
@@ -93,7 +93,15 @@ export function apply(ctx: Context, config: Config = {}): void {
       if (!isSkillName(args.name)) {
         throw new Error(`invalid skill name "${args.name}"`)
       }
-      const skill = await ctx.skills.get(args.name, { cwd: exec.agent?.session.header.cwd, signal: exec.signal })
+      const lookup = { cwd: exec.agent?.session.header.cwd, signal: exec.signal }
+      const summary = (await ctx.skills.list(lookup)).find(skill => skill.name === args.name)
+      if (!summary) {
+        throw new Error(`skill "${args.name}" is unknown or no longer available`)
+      }
+      if (!isModelInvocable(summary)) {
+        throw new Error(`skill "${args.name}" is not available for model invocation`)
+      }
+      const skill = await ctx.skills.get(args.name, lookup)
       if (!skill) {
         throw new Error(`skill "${args.name}" is unknown or no longer available`)
       }
diff --git a/packages/skill/tool-skill/tests/tool-skill.spec.ts b/packages/skill/tool-skill/tests/tool-skill.spec.ts
index dabd1bfee7..d31b666ee7 100644
--- a/packages/skill/tool-skill/tests/tool-skill.spec.ts
+++ b/packages/skill/tool-skill/tests/tool-skill.spec.ts
@@ -385,4 +385,56 @@ describe('dsh-tool-skill', () => {
     if (unknownBlock?.type !== 'text') throw new Error('expected text tool result')
     expect(unknownBlock.text).toContain('skill "missing" is unknown or no longer available')
   })
+
+  it('checks model policy before provider loading and rechecks the loaded definition', async () => {
+    const home = await tempDir('tool-policy-before-load')
+    const ctx = await setup(home)
+    const getCalls: string[] = []
+    ctx.skills.registerProvider({
+      name: 'policy-probe',
+      async list() {
+        return [
+          {
+            name: 'denied-skill',
+            description: 'Denied skill',
+            invocation: { modelInvocable: false, userInvocable: true },
+            provider: 'policy-probe',
+            source: 'test',
+            rank: 1,
+            locator: 'denied-skill',
+          },
+          {
+            name: 'policy-race-skill',
+            description: 'Policy race skill',
+            invocation: { modelInvocable: true, userInvocable: true },
+            provider: 'policy-probe',
+            source: 'test',
+            rank: 1,
+            locator: 'policy-race-skill',
+          },
+        ]
+      },
+      async get(candidate) {
+        getCalls.push(candidate.name)
+        return {
+          ...candidate,
+          invocation: { modelInvocable: false, userInvocable: true },
+          content: 'Instructions must not be disclosed.',
+        }
+      },
+    })
+
+    const denied = await ctx.tools.execute({ signal: testToolSignal, callId: CallId('c6'), name: 'skill', arguments: { name: 'denied-skill' } })
+    const raced = await ctx.tools.execute({ signal: testToolSignal, callId: CallId('c7'), name: 'skill', arguments: { name: 'policy-race-skill' } })
+
+    expect(denied.isError).toBe(true)
+    expect(raced.isError).toBe(true)
+    expect(getCalls).toEqual(['policy-race-skill'])
+    for (const result of [denied, raced]) {
+      const block = result.content[0]
+      if (block?.type !== 'text') throw new Error('expected text tool result')
+      expect(block.text).toContain('is not available for model invocation')
+      expect(block.text).not.toContain('Instructions must not be disclosed.')
+    }
+  })
 })
diff --git a/packages/ui/tui/src/index.ts b/packages/ui/tui/src/index.ts
index 134581764d..3027ace30c 100644
--- a/packages/ui/tui/src/index.ts
+++ b/packages/ui/tui/src/index.ts
@@ -1264,23 +1264,40 @@ export function createTuiChat(
       appendNotice('Skills are not available in this session.', 'warning')
       return
     }
-    skills.get(name, { cwd, signal: skillAbort.signal }).then(
-      (skill) => {
+    const lookup = { cwd, signal: skillAbort.signal }
+    const reportFailure = (error: unknown): void => {
+      if (disposed) return
+      appendNotice(`Skill "${name}" failed to load: ${errorChain(error)}`, 'error')
+    }
+    skills.list(lookup).then(
+      (summaries) => {
         if (disposed) return
-        if (skill === undefined) {
+        const summary = summaries.find(skill => skill.name === name)
+        if (summary === undefined) {
           appendNotice(`Unknown skill: ${name}`, 'warning')
           return
         }
-        if (!isSkillUserInvocable(skill)) {
+        if (!isSkillUserInvocable(summary)) {
           appendNotice(`Skill "${name}" is not available for user invocation.`, 'warning')
           return
         }
-        deliver(renderSkillInvocation(skill, instructions))
-      },
-      (error: unknown) => {
-        if (disposed) return
-        appendNotice(`Skill "${name}" failed to load: ${errorChain(error)}`, 'error')
+        skills.get(name, lookup).then(
+          (skill) => {
+            if (disposed) return
+            if (skill === undefined) {
+              appendNotice(`Unknown skill: ${name}`, 'warning')
+              return
+            }
+            if (!isSkillUserInvocable(skill)) {
+              appendNotice(`Skill "${name}" is not available for user invocation.`, 'warning')
+              return
+            }
+            deliver(renderSkillInvocation(skill, instructions))
+          },
+          reportFailure,
+        )
       },
+      reportFailure,
     )
   }
 
diff --git a/packages/ui/tui/tests/tui.spec.ts b/packages/ui/tui/tests/tui.spec.ts
index f9871a5981..8777922025 100644
--- a/packages/ui/tui/tests/tui.spec.ts
+++ b/packages/ui/tui/tests/tui.spec.ts
@@ -3890,17 +3890,51 @@ describe('skill slash command', () => {
     await dispose(result)
   })
 
-  it('rejects exact invocation of skills disabled for users', async () => {
-    const result = await setup({ configureContext: withSkills })
+  it('checks user policy before loading and rechecks the loaded definition', async () => {
+    const get = vi.fn((name: string) => Promise.resolve<SkillDefinition | undefined>({
+      name,
+      description: 'Policy race skill',
+      invocation: { modelInvocable: true, userInvocable: false },
+      source: 'runtime',
+      provider: 'runtime',
+      content: 'Instructions must not be delivered.',
+    }))
+    const result = await setup({
+      configureContext: async (ctx) => {
+        ctx.provide('tools', { get() { return undefined } } as never)
+        ctx.provide('skills', {
+          list: () => Promise.resolve<SkillSummary[]>([
+            {
+              name: 'model-only-skill',
+              description: 'Model-only skill',
+              invocation: { modelInvocable: true, userInvocable: false },
+              source: 'runtime',
+              provider: 'runtime',
+            },
+            {
+              name: 'policy-race-skill',
+              description: 'Policy race skill',
+              invocation: { modelInvocable: true, userInvocable: true },
+              source: 'runtime',
+              provider: 'runtime',
+            },
+          ]),
+          get,
+        } as never)
+      },
+    })
     result.terminal.send('/skill:model-only-skill')
     result.terminal.send('\r')
     await tick()
-    result.terminal.send('/skill:trusted-only-skill')
+    result.terminal.send('/skill:policy-race-skill')
     result.terminal.send('\r')
     await tick()
     expect(result.agent.sent).toEqual([])
+    expect(get).toHaveBeenCalledTimes(1)
+    expect(get).toHaveBeenCalledWith('policy-race-skill', expect.objectContaining({ cwd: '/workspace' }))
     expect(result.terminal.output).toContain('Skill "model-only-skill" is not available for user invocation.')
-    expect(result.terminal.output).toContain('Skill "trusted-only-skill" is not available for user invocation.')
+    expect(result.terminal.output).toContain('Skill "policy-race-skill" is not available for user invocation.')
+    expect(result.terminal.output).not.toContain('Instructions must not be delivered.')
     await dispose(result)
   })
 
@@ -3964,22 +3998,31 @@ describe('skill slash command', () => {
     result.terminal.send('\r')
     await tick()
     expect(result.terminal.output).toContain('failed to load')
-    expect(result.terminal.output).toContain('get boom')
+    expect(result.terminal.output).toContain('list boom')
     await dispose(result)
   })
 
   it('drops skill list and lookup results that settle after disposal', async () => {
-    const pendingList: Array<(value: SkillSummary[]) => void> = []
+    let listCalls = 0
+    let resolvePendingList: ((value: SkillSummary[]) => void) | undefined
     const pendingGet: Array<{ resolve: (value: SkillDefinition | undefined) => void; reject: (error: unknown) => void }> = []
     const result = await setup({
       configureContext: async (ctx) => {
         ctx.provide('tools', { get() { return undefined } } as never)
         ctx.provide('skills', {
-          list: () => new Promise<SkillSummary[]>((resolve) => { pendingList.push(resolve) }),
+          list: () => {
+            listCalls += 1
+            if (listCalls === 1) return Promise.resolve<SkillSummary[]>([])
+            if (listCalls === 2) {
+              return Promise.resolve<SkillSummary[]>([{ name: 'demo-skill', description: 'demo', source: 'runtime', provider: 'runtime' }])
+            }
+            return new Promise<SkillSummary[]>((resolve) => { resolvePendingList = resolve })
+          },
           get: () => new Promise<SkillDefinition | undefined>((resolve, reject) => { pendingGet.push({ resolve, reject }) }),
         } as never)
       },
     })
+    await tick()
     result.terminal.send('/skill:demo-skill')
     result.terminal.send('\r')
     await tick()
@@ -3988,12 +4031,10 @@ describe('skill slash command', () => {
     await tick()
     await dispose(result)
 
-    for (const resolve of pendingList) resolve([{ name: 'late', description: 'late', source: 'runtime', provider: 'runtime' }])
+    resolvePendingList?.([{ name: 'other-skill', description: 'late', source: 'runtime', provider: 'runtime' }])
     pendingGet[0]?.resolve({ name: 'demo-skill', description: 'late', source: 'runtime', provider: 'runtime', content: 'late body' })
-    pendingGet[1]?.reject(new Error('late failure'))
     await tick()
     expect(result.agent.sent).toEqual([])
-    expect(result.terminal.output).not.toContain('late failure')
     expect(result.terminal.output).not.toContain('late body')
   })
 })