An insurance carrier is considered to have paid benefits in a timely manner if a payment:
(1) is made by electronic funds transfer and is deposited in the employee's account on or before the benefit payment due date;
(2) is made by mail and is mailed in time for the payment to be postmarked on or before the benefit payment due date; or
(3) is to be picked up by the employee and the payment is made available to the employee during regular business hours not later than the opening of business on the benefit payment due date.