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What is the cut-off for getting a 1st and 15th effective date?

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What is the cut-off for getting a 1st and 15th effective date?

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For the 1st of the month: Between the 1st and the 15th of the prior month. Application must be submitted by 6:00 PM EST on the 15th. For the 15th of the month: Between the 16th and the last day of the prior month. Application must be submitted by 6:00 PM EST last day of prior month.

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