If a business, government office, or other source owes you money that you don’t collect, it’s considered unclaimed.
The federal government doesn’t have a central website for finding unclaimed money. But you don’t need to hire a company to find unclaimed money for you. You can find it on your own for free, using official databases.
1. Search in Your State
Businesses send money to state-run unclaimed property offices when they can’t locate the owner. The money in state unclaimed funds is often from bank accounts, insurance policies, or your state government.
- Start your search for unclaimed money with your state’s unclaimed property office.
- Use the multi-state database to search for your name, especially if you’ve moved to another state.
- Verify how to claim your money. Each state has its own rules about how you prove that you’re the owner and claim the money.
2. Search for Money from Employers
- Unpaid Wages – The Department of Labor (DOL) may recover back wages for you if your employer broke labor laws. If you think you may be owed back wages from your employer:
- Search DOL’s database of workers who have money waiting to be claimed. DOL holds unpaid wages for up to three years.
- Pensions from Former Employers – Search for unclaimed pensions from companies that went out of business or ended a defined plan.
3. Search for Money from Insurance
- VA Life Insurance Funds – Search the U.S. Department of Veterans Affairs (VA) database for unclaimed insurance funds.
- The VA may owe money to current or former policyholders or their beneficiaries.
- This database doesn’t include funds from Servicemembers’ Group Life Insurance (SGLI) or Veterans’ Group Life Insurance (VGLI) policies from 1965 to the present.