Betty,
Long time ago I had the same problem you described. Contacted the subscription department. They sent out a replacement copy and extended my subscription. It doesn't hurt to call.
In regards to part two of your inquiry: The only periodical I get in a plastic cover is Readers Digest. All others come w/o plastic. They come pretty much prestine, only damage is waterspots when it is raining. I think your real complaint is with the USPS.
Jim
There are three ways to complete a project. The right way, the wrong way or the Boss' way. You'd best learn the Boss' way.