Developers

The Wise Senior exposes four surfaces: an MCP server for AI assistants, public versioned rule packs, embeddable calculators, and llms.txt. All four are backed by the same verified data our own pages use, and every figure carries the official document it was transcribed from and the date a person last checked it.

MCP server

Streamable-HTTP Model Context Protocol endpoint:

https://api.cosyslabs.com/thewisesenior/mcp

Tools are generated from the same registry that powers the site’s calculators, so the server’s own tools/list response is always the live list. Every response cites the pack it computed from — packId, verifiedDate, and the official sourceUrl. Coverage follows the four sections of the site, with tools landing as each section’s packs are verified:

What Medicare Costs
When to Take Social Security
Paying for Care
Checklists & Dates

See the MCP quickstart for Claude Desktop and ChatGPT setup.

Public rule packs

Every figure on this site that can change lives in a versioned JSON rule pack, published read-only:

https://thewisesenior.com/rulepacks/index.json   — pack directory
https://thewisesenior.com/rulepacks/<packId>.json — individual packs

What is in them:

Medicare cost packs — The standard Part B premium and deductible, the Part A premium and hospital deductible, the Part D base beneficiary premium, and the IRMAA income brackets with the surcharge at each step — one pack per effective year, transcribed from the annual CMS notices that set them.
Medicare rules packs — Enrollment-window definitions (initial, general, and special), and the Part B and Part D late-enrollment penalty formulas, from the CMS and Social Security publications that define them.
Social Security constants — The annual cost-of-living adjustment, the earnings-test limits before and in the year of full retirement age, the full-retirement-age table by year of birth, the taxable-benefit thresholds, and the delayed-retirement and early-claiming adjustment factors — from SSA and IRS sources.
Eldercare cost packs — Median home care, assisted living, and nursing home costs by state. These cite a named industry survey rather than a government source, because no government equivalent is published — and the pack records that distinction so consumers can render it differently, as we do.
Directory and eligibility packs — The state SHIP counseling directory (one entry per state, checked against shiphelp.org) and state Medicaid long-term-care eligibility figures. A state we could not verify against its own agency ships as pending with empty data and earns no page.

Each pack carries its provenance: packId, effectiveYear, sourceUrl (the official document it was transcribed from), sourceLabel, verifiedDate, and status — verified, projected, or pending. If you consume a pack, honor status. A projected figure is an estimate of a number that has not been announced yet and must be labelled as one wherever it is shown; a pending pack has no usable data at all. Stale data should fail loudly rather than quietly print a number that is a year out of date.

llms.txt

AI crawlers and agents should start at /llms.txt, which maps the site’s tools, rule packs, and compliance notes in a machine-friendly format.

Embeddable calculators

Embed any calculator with a single iframe using the /embed/<slug> pattern. Each embed carries its own verification stamp, its estimate-only line, and the not-affiliated notice, because an embed travels detached from this site:

<iframe
  src="https://thewisesenior.com/embed/<tool-slug>"
  width="100%"
  height="620"
  style="border:none;border-radius:12px"
  title="Calculator name"
></iframe>

No API key required.

Terms for anything you build

Never for plan marketing. This data may not be used to recommend, rank, compare, or sell a Medicare plan, to generate insurance leads, or inside a tool that does. It describes what things cost and when the deadlines fall — that is all it is for. This is the one term we will enforce.
Embeds include an attribution link back to thewisesenior.com; it must stay visible and unmodified, along with the verification stamp and the disclaimers.
If you republish figures from a pack, cite both the official agency source (sourceUrl) and this site as the transcription source, and carry the verifiedDate with the figure.
Bulk scraping or wholesale redistribution of the site or the packs without written permission is not allowed. Ask us instead — the answer is usually yes.
Anything built on this data inherits our framing: estimates only, never financial, tax, legal, or insurance advice, and only the responsible agency determines an actual amount.

Contact

Integration questions, corrections to a pack, or partnership inquiries: support.cosyslabs@gmail.com. A disagreement between one of our packs and its official source is the message we answer first — see corrections.