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Unclaimed Assets: Money The Government Owes You!

Missing Money Search - Find Abandoned Funds and Unclaimed Property


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U.S. Unclaimed Property and Abandoned Funds Search

U.S. unclaimed property law classifies financial assets as dormant, unclaimed and abandoned when contact with the owner or heir is lost over a period of time. This often happens due to name changes after marriage or divorce, an unreported change of address or expired postal forwarding order, incomplete or illegible records, and most often after an untimely death.

When owners or rightful heirs fail to claim a forgotten asset over a specified number of years known as the dormancy period, those left holding the abandoned funds: banks, stock brokers, utilities, employers, life insurance companies and government agencies themselves - transfer custody to an unclaimed money trust account in a legal process known as escheat. Here this lost cash awaits your claim.

The state of New York currently holds $13 billion in unclaimed cash. California and Texas abandoned property adds $14 billion more. But this isn't just a big state phenomenon. Local governments recently collected $23 billion worth of forgotten money, of which less than $1 billion was reclaimed. The U.S. federal government holds even more, including $17 billion in unredeemed savings bonds, and hundreds of billions of unclaimed dollars in IRS refunds, retirement and Social Security checks that went undelivered or weren't cashed.

Millions of family members are totally unaware they’re entitled to collect missing moneys owed deceased relatives, who passed on without leaving an updated will or complete financial records. It's estimated 25% of life insurance policies are never paid, for example, because it's up to heirs to notify the underwriter when a policyholder dies, and virtually no effort is made to find lost beneficiaries and missing heirs.

Find Unclaimed Property and Missing Money

You must initiate a search for unclaimed money - holders of unclaimed funds generally will not contact you.
There is no national missing money database. Don't be fooled by websites offering memberships with monthly billing.
Unclaimed property databases online contain only a fraction of lost accounts available for claim.
Unclaimed monies and refunds held by courts & federal agencies are not included in state online databases.
Family members are often unaware they’re entitled to forgotten funds and unclaimed assets owed deceased relatives.
Last year 2.5 million citizens made successful claims on over $2 billion. The record payout: $6.1 million ... So act now!

Government Unclaimed Money
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Life Insurance & Unclaimed Inheritances:  Unclaimed Life Insurance II Missing Inheritances II Lost Heirs
Savings: Bank Accounts II Credit Union Accounts II Safe Deposit Boxes  II CD Certificates of Deposit II Uncashed Checks II Postal Money Orders
Investments: U.S. Savings Bonds II Stock, Bonds & Mutual Funds  II Postal Savings Bonds
Retirement Accounts & Pensions:  IRA Accounts II 401k Accounts II Pension Benefits II Government Pensions II Railroad Retirement Benefits  
Government Payments:  Social Security II IRS Refunds II HUD Refunds II Indian Trust Funds II Child Support II Bankruptcies II VA Benefits
Royalties & Residuals: Mineral Royalties II Musician Royalties II Screen Actor Residuals II Author Royalties II Gift Card Refunds II Rebate Checks

       CONSUMER ALERTS                                 Unclaimed Money:    Think it couldn't be you? ... Think again!

Savings Bonds $17 billion in unclaimed US Savings Bonds

The value of unclaimed US Savings Bonds that have matured and stopped paying interest currently exceeds $17 billion. No effort is made to locate the missing - owners and family members of deceased relatives must initiate a search.  Savings Bond Search

 
Life Insurance Missing life insurance beneficiaries & heirs ...

One in four life insurance policies go unclaimed on death of the insured, because family members aren't always aware a policy exists, or don't know how to track it down.  Unclaimed Life Insurance Policy Search

 
IRA Accounts Forgotten IRA s - Individual Retirement Accounts

50 million Americans have invested in IRAs. If withdrawals are not made by age 70˝, or in some cases 59˝, Individual Retirement Accounts may be considered unclaimed and abandoned. Unclaimed IRA Search

 

401k Pensions

Unclaimed 401k pension plans

Each year, $850 million in 401(k) retirement plan assets owed employees of companies that have gone bankrupt or ceased operations go unclaimed. Families of deceased workers forget to claim billions more. Missing 401(k) Search

 
Missing Inheritances Are you heir to unclaimed property or an unknown inheritance?

Trustees are holding billions in unclaimed money and forgotten property owed relatives of deceased family members who can't be found because they've moved or changed name after marriage or divorce.  Missing Inheritance Search

 
Uncashed Checks  Lost, destroyed or uncashed checks

Failure to cash or deposit a check does not terminate your right to the funds and the issuer's responsibility to pay. This is true even if a check specifies an expiration date.  Uncashed Checks

 
Life Insurance Policy Payouts MetLife, Prudential, MONY and John Hancock policyholders and heirs

MetLife, Prudential, Mutual of New York and John Hancock policyholders and heirs may be eligible to claim cash and/or stock after the recent demutualization of these and twenty other major life insurance companies.  Unclaimed Mutual Life Insurance Policy Benefits

Pension Benefits $133 million in unclaimed pension benefits

32,000 missing workers are eligible to claim $133 million in unclaimed pension benefits from bankrupt companies with terminated defined-benefit employee pension plans.  Unclaimed Pension Search

 
Bank Accounts IRA s, CD s and savings accounts at FDIC insured banks that have closed

Over 400 banks closed their doors in the last four years, including the largest ever, Washington Mutual (WaMu). Depositors may collect insurance proceeds - up to $250,000 per account - but time limits may apply.  Bank Account Search

 
Safe Deposit Boxes Trace a missing safe deposit box

Each year thousands of bank safe deposit boxes are forgotten or abandoned by owners and heirs. If the box rent is not paid, the contents may be auctioned off by custodians. Safe Deposit Box Search

 
Stocks and Bonds Trace a missing safe deposit box

The SEC estimates 3 million lost stockholders are entitled to unclaimed stock worth $10 billion. $500 million in stock dividends and bond interest checks are not cashed each year. Stock Search

 
Veterans Unclaimed veteran benefits search

Veterans benefits due military personnel frequently go unclaimed. Often overlooked are disabled veteran payments, veteran death benefits and burial allowances, veteran life insurance, and military back pay.  Veterans Benefits Search

 
Child Support Payments $750 million in unclaimed child support

States collect billions of dollars annually in court-ordered child support. Three-quarters of a billion dollars have gone undistributed & unclaimed, due to incorrect address information on the custodial parent.  Unclaimed Child Support

 
Native Americans Native American Indian Trust Funds IIM Settlement - Cobell v. Salazar

On November 30, 2010, Congress approved a class action lawsuit settlement authorizing $3.4 billion in compensation owed to over 500,000 Native American Indians.  Indian Money Search

 
HUD Refunds HUD refunds

HUD is holding hundreds of millions of dollars in unclaimed refunds owed former homeowners whose homes were sold or foreclosed on, but failed to provide a new address after the move.  HUD Refund Search

Railroad Retirement $8 billion annually in lost, forgotten or unused gift cards

The Railroad Retirement Trust Fund holds $18 billion. Currently 818,000 railroad retirees and heirs receive benefits, but five percent of railroad employee addresses on file are not current  Railroad Retirement Benefits Search

MORE  Unclaimed Money Consumer Alerts   



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