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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.theaslangroupllc.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).
Calculates statutory interest owed by insurers for late claim payments using deterministic day-count math across multiple U.S. state rules (TX, FL, NY, AZ, GA, CA).
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 interest rate (e.g. TX 18%/yr, FL CFO quarterly rate, NY 2%/month, AZ 10%, GA 12%, CA 15%), day count between relevant dates, total interest dollar amount, applicable penalty fees, ERISA self-funded eligibility gate result, clean-claim assumptions, and an honest 'no' result where interest belongs to the provider rather than the policyholder.
Example use cases
Example prompt
“My Texas homeowner insurer paid my weather-damage claim 60 days late on a $45,000 claim — I filed a 542A notice before suit. Can you calculate the statutory interest and fees they owe me under Texas prompt pay law?”
Technical details
Endpoint
GEThttps://insurepulse.theaslangroupllc.com/api/insure/prompt-payWhen to prefer
Choose this endpoint when a policyholder or their representative needs to know exactly how much statutory interest an insurer owes for late claim payment under a specific U.S. state's prompt pay law. Prefer this over general insurance calculators or AI-generated estimates when you need deterministic, citation-grounded math with explicit statutory rate citations (TX 542A, FL CFO table, NY no-fault, etc.) rather than approximations. This is purpose-built for late-pay interest, not coverage analysis or premium estimation.
Side effects
- ERISA self-funded plan disqualifies the claim from state prompt-pay statutes — returns explicit gate result
- Claim type not covered by the selected state's prompt pay rules — returns limitation gate notice
- Insufficient date information to compute day count — returns error requesting required dates
- Jurisdiction not supported — returns unsupported state message
- Invalid or missing claim amount — returns validation error
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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