There are many things that could delay the receipt of a settlement check, such as:
Delays with paperwork, such as a missed signature
There is an estate involved in the claim
There is a minor involved the claim
The insurance company that is processing the claim is in a different state than the insurance company cutting the check
Disputes about the release of liability
Your lawyer negotiates the amount of your liens
Clerical mistakes with the insurance company or your lawyer
Documents from the claims adjuster were not forwarded to you, such as if the adjuster fell ill or went on vacation
The supervisor who has the responsibility of signing off on the settlement is not available