coverage-rights

get_state_external_review

Read-onlyIdempotent

How a state's external review process works: filing deadline, regulator contact, and key facts. Verified detail currently covers 10 states (CA, TX, FL, NY, PA, IL, OH, GA, NC, MI); other states return the covered list.

Tool call template

Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {
      "state": "<state>"
    },
    "name": "get_state_external_review"
  }
}

Input Schema

Name	Required	Description	Default
`state`	Yes	Two-letter state code, e.g. 'ca', 'ny', 'fl'

Output Schema

Name	Required	Description
`page`	No	Existing free information page when a matching record is available.
`_note`	Yes
`error`	No	Lookup error text when _coverage.status is not_found or unsupported.
`notes`	No
`phone`	No
`state`	No
`covered`	No
`process`	No
`summary`	No
`_coverage`	Yes
`regulator`	No
`regulator_url`	No
`filing_deadline`	No
`primary_sources`	No
`filing_deadline_days`	No

Schema Changelog

Changes observed during successful MCP inspections.

Changed1 schema field changedNov 4, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "$schema": "http://json-schema.org/draft-07/schema#",
+  "additionalProperties": true,
+  "properties": {
+    "_coverage": {
+      "additionalProperties": false,
+      "properties": {
+        "applicability": {
+          "additionalProperties": false,
+          "properties": {
+            "jurisdiction": {
+              "type": "string"
+            },
+            "personal_deadline_calculated": {
+              "const": false,
+              "type": "boolean"
+            },
+            "scope": {
+              "type": "string"
+            }
+          },
+          "required": [
+            "jurisdiction",
+            "scope",
+            "personal_deadline_calculated"
+          ],
+          "type": "object"
+        },
+        "content_reviewed_at": {
+          "anyOf": [
+            {
+              "format": "date",
+              "type": "string"
+            },
+            {
+              "type": "null"
+            }
+          ],
+          "description": "YYYY-MM-DD only when this specific content has an existing review date; null means no response-wide review date is asserted."
+        },
+        "continuation": {
+          "additionalProperties": false,
+          "properties": {
+            "label": {
+              "type": "string"
+            },
+            "url": {
+              "$ref": "#/properties/_coverage/properties/sources/items/properties/url"
+            }
+          },
+          "required": [
+            "label",
+            "url"
+          ],
+          "type": "object"
+        },
+        "limitations": {
+          "items": {
+            "type": "string"
+          },
+          "type": "array"
+        },
+        "schema_version": {
+          "const": "1.0",
+          "type": "string"
+        },
+        "sources": {
+          "items": {
+            "additionalProperties": true,
+            "properties": {
+              "label": {
+                "type": "string"
+              },
+              "role": {
+                "enum": [
+                  "primary_source",
+                  "publisher_data",
+                  "curated_guidance",
+                  "methodology"
+                ],
+                "type": "string"
+              },
+              "url": {
+                "format": "uri",
+                "type": "string"
+              }
+            },
+            "required": [
+              "label",
+              "url",
+              "role"
+            ],
+            "type": "object"
+          },
+          "type": "array"
+        },
+        "status": {
+          "enum": [
+            "ok",
+            "no_matches",
+            "not_found",
+            "needs_context",
+            "unsupported"
+          ],
+          "type": "string"
+        },
+        "summary": {
+          "type": "string"
+        },
+        "tool": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "schema_version",
+        "tool",
+        "content_reviewed_at",
+        "status",
+        "summary",
+        "applicability",
+        "sources",
+        "continuation",
+        "limitations"
+      ],
+      "type": "object"
+    },
+    "_note": {
+      "type": "string"
+    },
+    "covered": {
+      "$ref": "#/properties/_coverage/properties/limitations"
+    },
+    "error": {
+      "description": "Lookup error text when _coverage.status is not_found or unsupported.",
+      "type": "string"
+    },
+    "filing_deadline": {
+      "additionalProperties": true,
+      "properties": {
+        "amount": {
+          "type": "number"
+        },
+        "note": {
+          "type": "string"
+        },
+        "sourceUrl": {
+          "$ref": "#/properties/_coverage/properties/sources/items/properties/url"
+        },
+        "trigger": {
+          "type": "string"
+        },
+        "unit": {
+          "enum": [
+            "calendar-days",
+            "calendar-months"
+          ],
+          "type": "string"
+        },
+        "verifiedDate": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "amount",
+        "unit",
+        "trigger",
+        "sourceUrl"
+      ],
+      "type": "object"
+    },
+    "filing_deadline_days": {
+      "anyOf": [
+        {
+          "minimum": 0,
+          "type": "integer"
+        },
+        {
+          "type": "null"
+        }
+      ]
+    },
+    "notes": {
+      "$ref": "#/properties/_coverage/properties/limitations"
+    },
+    "page": {
+      "$ref": "#/properties/_coverage/properties/sources/items/properties/url",
+      "description": "Existing free information page when a matching record is available."
+    },
+    "phone": {
+      "type": "string"
+    },
+    "primary_sources": {
+      "items": {
+        "additionalProperties": true,
+        "properties": {
+          "label": {
+            "$ref": "#/properties/_coverage/properties/sources/items/properties/label"
+          },
+          "url": {
+            "$ref": "#/properties/_coverage/properties/sources/items/properties/url"
+          }
+        },
+        "required": [
+          "label",
+          "url"
+        ],
+        "type": "object"
+      },
+      "type": "array"
+    },
+    "process": {
+      "type": "string"
+    },
+    "regulator": {
+      "type": "string"
+    },
+    "regulator_url": {
+      "$ref": "#/properties/_coverage/properties/sources/items/properties/url"
+    },
+    "state": {
+      "type": "string"
+    },
+    "summary": {
+      "type": "string"
+    }
+  },
+  "required": [
+    "_note",
+    "_coverage"
+  ],
+  "type": "object"
+}

First observedJul 19, 2026

TDQS

A3.7/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint, idempotentHint, and openWorldHint=false, so safety is covered. The description adds genuinely new behavioral context: only 10 states are verified and unsupported states return the covered list rather than an error — a non-obvious fallback the agent needs to interpret results correctly.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Two tight sentences: the first front-loads what is returned, the second immediately qualifies coverage. The state-code parenthetical is slightly long but serves a real purpose by letting the agent skip invalid calls.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

An output schema exists, so return-value shape need not be described, and the coverage caveat is the main thing an agent must know before calling. The definition is complete for a single-parameter lookup; only cross-tool routing guidance is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The schema documents the sole 'state' parameter at 100% coverage, including the two-letter constraint and examples. The description only implicitly reinforces the state scope via the enumerated state list; it adds no new syntax or format meaning, so the baseline 3 applies.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states the specific resource (a state's external review process) and enumerates the returned facts: filing deadline, regulator contact, and key facts. It is clearly distinct from siblings like get_appeal_rights or get_insurer_metrics by resource, though it does not explicitly name which sibling to prefer for adjacent questions.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Usage is implied by the narrow state-code scope, and the coverage note tells the agent what happens for unsupported states. However, there is no explicit when-to-use guidance versus siblings such as get_appeal_rights, which covers a related topic and could be confused by an agent.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

All coverage-rights tools Inspect

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