{"uid":"cap_c4xnSHmuVV5nqf5VReNXH","slug":"insurepulse-late-claim-statutory-interest-calculator-76478d78","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.vercel.app/api/insure/prompt-pay","method":"GET","headers":{},"bodySchema":{"type":"object","required":["state","claim_type","claim_amount","claim_received_date"],"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"}}},"responseSchema":{"type":"json","example":{}},"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":null,"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_z4iUmyxFg9wxxlBNkPu2G","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 across TX, FL, NY, AZ, GA, and CA using deterministic day-count math and state-specific rate tables","exampleAgentPrompt":"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?","exampleUseCases":null,"resultDescription":"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).","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:33:09.454Z","isFirstParty":false}