The issue here is when to request a stop payment on a check that has not arrived. If you do this too soon, the check could show up, but you won’t be able to cash it and you will have to wait for the replacement check – usually around one to two weeks. You can check with your post office if any mail is pending for you. If your check is more than 4 days late (not counting any holidays), it’s time to call your claims adjuster and advise them to check with their bank to see if the check has cleared or not. If not, you will need to tell them to stop payment and reissue the check. It will take up to 5 days for the bank to confirm whether the check has cleared or not. Once the bank has confirmed that the check has not cleared, they will reissue it, usually within one working day. If the check has cleared, they will require you to sign an affidavit that you did not receive it, after which they will reissue the check. A workers’ compensation attorney will know how to take care of this issue for you, so you don’t have to deal with it.