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Free, Official Sources to Find Unclaimed Money Does the
government owe you money? There might be unclaimed funds or property waiting
for you from savings or checking accounts, wages and pensions, tax refunds,
life insurance policies, and a lot more. Companies may offer to find this
money for a fee. And scammers may try to trick you with fake promises of
money from the government. But you can find your unclaimed
money yourself for free. Check out USAGov’s list of official sources to get
started: ·
Search for unclaimed money and property in every state
where you have lived. You can conduct a multi-state search, check state-by-state for individual programs,
or contact your state’s unclaimed property office for help. And keep an eye
out at state fairs and even malls, where state treasurers and other officials
hold public awareness events. ·
Check for unclaimed funds from bank failures or
unclaimed deposits from credit union closures. Did you have money in a checking or
savings account at a Federal Deposit Insurance Corporation (FDIC)-insured
financial institution? If the financial institution closed, you can search
the FDIC database. For
unclaimed deposits from credit union failures, search the listings at the National
Credit Union Administration (NCUA). ·
Look for unclaimed or undelivered tax refunds or a
refund from an FHA-insured mortgage. The IRS may owe you money if you
earned income in the past few years but did not file a tax return because
your wages were below the filing requirement. To claim your refund, follow
this guidance from the IRS. For undelivered tax refunds, use the Where’s My Refund tool to check your
status. Did you purchase mortgage insurance from the Federal Housing
Administration (FHA)? You may be eligible for a refund. Find out by searching
the HUD database. You will
need your FHA case number (three digits, a dash, and the next six digits—for
example, 051-456789). ·
Search for unclaimed back wages, pension money, or life
insurance funds. Are you owed unpaid wages from your current or a past
employer? Check the Labor Department’s Wage
and Hour Division’s records to see if you have money waiting to be
claimed. You also may be owed a pension if a company you worked for went out
of business or ended a defined plan. For your unclaimed
pension search, you’ll need either the participant’s or beneficiary’s
last name, the name of the company that provided the pension, or the state of
the company's location. And you can check with the Department of Veterans Affairs
(VA) for unclaimed life insurance funds if you’re a current or former VA
life insurance policyholder or a beneficiary. This search is not for
Servicemembers’ Group Life Insurance (SGLI) or Veterans’ Group Life Insurance
(VGLI) policyholders. Along the way,
watch out for unclaimed money scams, when someone pretends to be from the
government and offers to send you unclaimed money for a fee. Learn
how to recognize these imposters and find out where to report them. Check out this
infographic to help guide you when looking for unclaimed money.
Explore more helpful money and shopping information and resources on USA.gov, your online guide to government
information and services. Source:
USA.gov |
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