{"uid":"cap_-gu21cuvFGM4Nty2MVgaL","slug":"insurepulse-late-claim-statutory-interest-calculator-f4be235f","name":"InsurePulse Late-Claim Statutory Interest Calculator","description":"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.","url":"https://insurepulse.theaslangroupllc.com/api/insure/prompt-pay?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","required":["state","claim_type","claim_received_date","claim_amount"],"properties":{"state":{"type":"string","description":"US state code (TX|FL|NY|AZ|GA|CA computed; LA|CO flagged; NJ|WA honest-no)"},"paid_date":{"type":"string","description":"YYYY-MM-DD paid (omit if still unpaid)"},"claim_type":{"type":"string","description":"property | auto | health | disability | life (statutes route by line)"},"claim_amount":{"type":"string","description":"USD claim amount from your records"},"plan_funding":{"type":"string","description":"health: fully_insured | self_funded | government | church | unknown (ERISA gate)"},"weather_related":{"type":"string","description":"TX property: true for hail/wind/hurricane (542A lane)"},"claim_received_date":{"type":"string","description":"YYYY-MM-DD the insurer received the claim/notice/proof of loss"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"state parameter required"},"description":"Invalid or missing parameter(s) — required: state, claim_type, claim_received_date, claim_amount. Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":{"p10Cents":"5.0000","medianCents":"5.0000","p90Cents":"5.0000","minCents":"5.0000","maxCents":"5.0000","p95Cents":"5.0000","sampleCount":1,"varies":false,"failureChargeRate":1},"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_-etbfY_kLBtCgG0Vox3-u","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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).","exampleAgentPrompt":"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?","exampleUseCases":null,"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-28T19:12:31.859Z","isFirstParty":false,"canonicalSlug":"insurepulse-late-claim-statutory-interest-calculator-f4be235f"}