Find unclaimed funds held by the government

Do you know how or where to find unclaimed funds held by the government?

Unclaimed funds refer to money or financial assets that have been separated from their rightful owners or beneficiaries and have remained unclaimed for an extended period of time.

What are unclaimed funds

Unclaimed funds, or unclaimed property, are monetary assets that have been separated from their rightful owners and have remained untouched for an extended period.

They are typically held by the government until the owner shows up to claim the assets. So in this case the states are responsible for holding and returning to their rightful owners.

The unclaimed funds exist for various reasons, and they typically result from situations where the rightful owners or beneficiaries of the funds lose contact with financial institutions or organizations that hold the funds.

Where do I find unclaimed funds

To find unclaimed funds, it’s needed to access the USA government website, they have all the data with what might be owed to you.

Let’s see where you can find these informations and databases:

States office

Start your search by visiting your state’s unclaimed property office. Each state maintains a database of unclaimed funds, allowing you to search for funds associated with your name, last known address, or other identifying information.

Find unclaimed funds for employers

If you believe that your former employer owes you unpaid wages or that you may have an unclaimed pension, there’s also a way to find these unclaimed funds.

Starting with the unpaid wages, if you think you may have something to receive you should access the DOL, The Department of Labor, they are responsible for maintaining this kind of information.

But you only have three years to claim this money, otherwise it’ll be delivered to the U.S Treasury.

And if you have an unclaimed pension from your former employer, the database you should look at is the PBGC, or Pension Benefit Guaranty Corporation.

Unclaimed insurance money

In case of unclaimed insurance money there’s two options of database for you to look for.

The first one is the VA Life Insurance Funds, to which veterans claim their insurance if they have.

And the second option is the FHA Insurance Refunds, for that you will need to search on the HUD database and check for eligibility.

Tax Refunds

If you have been contributing with your tax but didn’t receive your refund, it’s time to find you unclaimed funds.

For that you’ll need to check the IRS, Where’s My Refund and search for what you may have to receive.

Bank Failures

In case of a bank failure you will need to check on some databases if you have something to receive, especially if this was your main account and where most of your money was.

The first option is looking on the FDIC database and in the Credit Union Failures, that collect all the unclaimed deposits.

Other options

Accessing the USA government website you can find other options to find unclaimed funds held by the government.

Like funds from investments, that can be searched in the Securities and Exchange Commission database, funds from savings bonds and bankruptcies as well.