Most insurance companies mail the checks . The post office sometimes loses or delays delivery of a check, in which case it would be difficult to hold your employer or the insurance company responsible. However, in workers’ compensation cases, Georgia has something commonly called the “mailbox rule.” If the check is mailed by the insurance company from within the State of Georgia, the envelope must be postmarked no later than the last day of the week period that is being paid. If the insurance company mails the check from outside of the State of Georgia, then the enveloped must be postmarked no later than 3 days before the last day of the week period that is being paid. If your check is late, it is important that you note the postmark in the envelope and keep it if the insurance company is not adhering to the mailbox rule. Insurance companies that make late payments are subject to a 15% penalty for the late payment.