or has deteriorated to the point that it can no longer be used, then you can exchange it for free at the Treasury Department. If you have money that has been damaged or mutilated by fire, water, chemicals, etc. You can check the list of recovered money here. The Securities and Exchange Commission (SEC) sometimes is able to recover money from companies or people who have defrauded investors through its enforcement actions. If you do see your name and have at any time lived in the city or state indicated on the list, you can submit a member verification form to the following address: You can search for your unclaimed deposit in the NCUA listing. However, there is a time limit - you have 18 months to claim the full insured amount. If a federally insured credit union fails, the National Credit Union Association will be responsible for giving back the account holders their money. If you had money stored away in a federally insured bank that failed, you can locate that money by visiting the Federal Deposit Insurance Corporation (FDIC) database. Account Balances from Failed Banks or Failed Credit Unions If you think you may have an unclaimed or undelivered tax refund, you can use the IRS online tool "Where's My Refund?" You can also check the status of your refund by calling the IRS TeleTax System at 80 or the IRS Refund Hotline at 80. Instead of you owing the IRS, they may be the one who owes you a check. Search the Pension Benefit Guaranty Corporation (PBGC) database using your last name, the company's name, and the state. If the company that you used to work for merged with another company, moved, went out of business, or ended a defined plan, you can check the status of your pension plan and see if you have any unclaimed pension money. If you want to learn which company is holding your policy, you can check with the insurance department in the state where your insurance policy was purchased or where your former insurance company had its headquarters.įor VA Life Insurance Funds, you can search the US Department of Veterans Affairs (VA) to see if there are any unclaimed funds owed to its policyholders (former and current) or their beneficiaries. In fact, it is not uncommon for a beneficiary to be unaware that he or she has unclaimed funds. Sometimes, when an insurance company merges with other companies, sells off policies, or goes out of business, it becomes hard to keep track of which company holds your policy. If you think you may have back wages owed to you by your employer, you can search the database by entering your employer's name. If an employee cannot be located, the wages are held in the division's keeping for three years before the money is sent to the US Treasury. The Wage and Hour Division of the US Department of Labor is responsible for enforcing the country's comprehensive labor laws including recovering unpaid wages on behalf of employees. If nothing shows up, you can visit the NAUPA website,, and search the database of each state you've lived in. Most state-level unclaimed property programs submit their official collective records to this database weekly. You can do an initial check by visiting which is a national database endorsed by the National Association of Unclaimed Property Administrators (NAUPA). But before you get discouraged, we've got a list of the free, official sources where you can find out if some of that unclaimed money is yours. It also does not have information on the unclaimed assets in each state. The US federal government does not maintain a central database of all unclaimed funds and other assets. Ok, so how do you get your hands on some of that unclaimed money? Unfortunately, there's no easy way to do this. Right now, there are over $41.7 billion dollars in unclaimed money just waiting to be found. Unclaimed funds also include uncashed dividends or payroll checks, safe deposit boxes, and insurance policy money. It could be tax refunds that cannot be sent to the taxpayer because he or she moved without updating his or her home address. How does this happen? Well, there are a number of reasons why money and assets go unclaimed claimed by its owner. Unclaimed funds are money that has been turned over to the government because the owner cannot be located. One of life's most pleasant surprises is finding money that you never knew you had.
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