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Empire Producer On Line News - Small Group Application and Binder Payment - Binder payments must be submitted before we can activate small group benefits coverage. Beginning with April 15, 2017 effective dates, if we don’t receive payment within 5 days of our receiving the completed group application, the case will not be processed, and group implementation may be delayed. Be sure to reach out to your FNA Representative to make sure you do not delay your client's application.