diff --git a/base-action/src/parse-sdk-options.ts b/base-action/src/parse-sdk-options.ts
index f101383..c7d2550 100644
--- a/base-action/src/parse-sdk-options.ts
+++ b/base-action/src/parse-sdk-options.ts
@@ -130,6 +130,9 @@ export function parseSdkOptions(options: ClaudeOptions): ParsedSdkOptions {
     // Note: allowedTools and disallowedTools have been removed from extraArgs to prevent duplicates
     extraArgs,
     env,
+
+    // Load settings from all sources to pick up CLI-installed plugins, CLAUDE.md, etc.
+    settingSources: ["user", "project", "local"],
   };
 
   return {