"For plan sponsors, the potential lag between the date when mail is deposited at USPS and when it is actually processed and postmarked creates risk that time-sensitive materials (e.g., COBRA election notices, HIPAA certificates, decisions on benefit claims and appeals, summary plan descriptions, QDIA notices, fee disclosures and other required disclosures) may bear a postmark date later than intended, even if mailed before the deadline."  MORE >>