KBenefits Insurance Services
Courtesy Late Submission Notice

Courtesy Notification
Late Submission Letter


We want your enrollment/renewal to go as smooth as possible.  A “late submission” is considered when the enrollment/renewal paperwork has not been received by the broker and/or Carrier 15 days before the expected effective date.

This letter is to acknowledge that with late submissions, your request to renew or enroll may not be approved until after the requested Effective date.  In some cases, you may find out after the expected Effective date that there are issues or additional information is needed by the Carrier therefore delaying your request to renew or enroll.  Furthermore, our attempt is to avoid the worst-case scenario which would be finding you your enrollment/renewal request was denied after the requested effective date, leaving you without insurance.

Late submission may result in:

  • Delay of coverage
  • Waiting day or weeks to be approved
  • Not having an updated Invoice
  • Not having your ID number
  • Not having your ID cards
  • Delayed access to medications, doctors’ appointments or needed services
  • Not having coverage

When you submit late, it is recommended you:

  • fill any Prescriptions that you will need for the upcoming month.
  • inform your doctor of possible delayed approval.
  • pre-authorized surgeries/services again with the new carrier.
  • not have a timely approval, ID numbers, ID cards or possibly no insurance. 


It is our recommendation you finalize your decision and send in the required enrollment/renewal paperwork 3-4 weeks before renewal or enrollment in order to avoid any delays. 



Glad to be of service.
Let us know if you have any questions.

KBenefits, LLC
Christopher S. Kudryk

KBenefits provides insurance solutions for small business owners and individuals in NJ & NY.  Contact KBenefits today and see how we can benefit you.

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2011 KBenefits LLC 13 Mead Ave Freehold, NJ 07728