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InsurePulse Late-Claim Statutory Interest Calculator
x402
InsurePulse Late-Claim Statutory Interest Calculator is a paid API for AI agents from insurepulse.vercel.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).
Calculates statutory interest owed by insurers for late claim payments across TX, FL, NY, AZ, GA, and CA using deterministic day-count math and state-specific rate tables
Price / call$0.05
Success—
StatusUnknown
How this service works
Late-claim interest check — insurers owe STATUTORY INTEREST when they pay late, and most policyholders never collect it. Deterministic day-count math: TX 18%/yr + fees (weather claims prime+5 w/ 542A notice), FL property from the NOTICE date (CFO quarterly table), NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% + auto-include penalty. ERISA self-funded gate, clean-claim assumptions stated, limitations gates. Honest-no where the interest belongs to the provider. No LLM.
Output
Returns a deterministic calculation of statutory interest owed by the insurer, including the applicable state rate (e.g. TX 18%/yr, FL CFO quarterly table, NY 2%/month, AZ 10%, GA 12%, CA 15%), exact day count, total interest dollar amount, any penalty amounts, the governing statute, and a clear eligibility determination — including an honest 'no interest owed' result where applicable (e.g. ERISA self-funded plans, provider-side interest).
Example use cases
Example prompt
“My Texas homeowner insurer finally paid my $45,000 weather claim 85 days after I submitted the 542A notice — can you calculate the statutory interest and fees they owe me under Texas prompt payment law?”
Technical details
Endpoint
GEThttps://insurepulse.vercel.app/api/insure/prompt-payWhen to prefer
Use this endpoint when a policyholder or agent needs a deterministic, statute-specific calculation of statutory interest owed for a late insurance claim payment — particularly when state-specific rules matter (Texas 18%/yr with 542A weather-claim treatment, Florida property from notice date using CFO quarterly tables, NY no-fault 2%/month, AZ 10%, GA health 12%, CA health 15% with auto-penalty). Prefer this over a generic LLM answer when you need a defensible, reproducible number based on actual day-count math rather than an estimate.
Side effects
- ERISA self-funded plan gate triggered — interest belongs to provider, not policyholder, returns honest denial
- Claim type not covered by specified state's prompt-pay statute — returns out-of-scope notice
- Missing required date inputs (notice date, payment date) — returns validation error
- State not supported — only TX, FL, NY, AZ, GA, CA covered; unsupported state returns error
- Clean-claim assumption not met — result includes caveat about disputed clean-claim date
- Notice requirement not satisfied (e.g. TX 542A notice not sent) — returns reduced or zero interest result
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| staterequired | string | US state code (TX|FL|NY|AZ|GA|CA computed; LA|CO flagged; NJ|WA honest-no) |
| paid_date | string | YYYY-MM-DD paid (omit if still unpaid) |
| claim_typerequired | string | property | auto | health | disability | life (statutes route by line) |
| claim_amountrequired | string | USD claim amount from your records |
| plan_funding | string | health: fully_insured | self_funded | government | church | unknown (ERISA gate) |
| weather_related | string | TX property: true for hail/wind/hurricane (542A lane) |
| claim_received_daterequired | string | YYYY-MM-DD the insurer received the claim/notice/proof of loss |
Output
Schema · Response
{
"type": "json",
"example": {}
}Tags
x402
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