Common scenarios
Pick the situation closest to yours for a guide tailored to that type of claim.
Find an old 401(k) from a previous employer
Plans from defunct or merged employers often go to PBGC or state funds.
Search for a deceased relative's unclaimed property
Heir claims are the highest-value category. Document checklist included.
Find a forgotten life insurance policy
Use NAIC's Life Insurance Policy Locator + state escheat databases.
Recover an uncashed paycheck from an old job
Most common type of unclaimed property. Average value $50–$2,000.
Get back a utility or rental deposit you forgot
Common when you move out of state. Held by the state where you lived.
Find matured U.S. savings bonds
Treasury holds $30B+ in matured bonds. Often inherited and forgotten.