Over $80 billion sits unclaimed in the US. Search 8 national databases for forgotten retirement accounts, lost insurance policies, uncashed checks, and more.
$80B+
Total unclaimed in US
29M
Forgotten 401(k) accounts
1 in 4
Americans owed money
$1,000+
Average amount per person
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Lost 401(k) & Retirement Account Finder
29 million retirement accounts have been forgotten by Americans who changed jobs. The average forgotten balance is over $1,000. Search free databases to find yours.
💡 29 million forgotten accounts worth $1.65 trillion
Search for your lost retirement accounts
🎉 We found 2 accounts — estimated total: $23,847
Techwave Solutions — Fidelity 401(k)
Account opened 2018 • Last activity 2021
$16,240
GreenLeaf Marketing — Vanguard 401(k)
Account opened 2016 • Last activity 2018
$7,607
$55,400
Average forgotten 401(k) balance
Accounts left for 5+ years often grow significantly from employer matches and market gains you forgot about.
67%
Leave money behind when switching jobs
Two-thirds of people who change jobs don't roll over their old 401(k). That money sits there, often charging fees.
$300+
Average annual fees on orphaned accounts
Forgotten accounts often get hit with higher administrative fees since you're no longer an active employee.
10 min
Time to search all databases
The National Registry, DOL database, and Form 5500 filings are all searchable online for free.
Pro tip: Even small forgotten balances matter. A $3,000 account at age 30, rolled into an IRA and invested until 65, could grow to over $30,000 through compound growth. That's a vacation fund you forgot you had.
How to search (step by step)
1
National Registry: Visit unclaimedretirementbenefits.com and search by SSN. Results are instant and free.
2
DOL Database: Search askebsa.dol.gov for abandoned plans from former employers. Call 1-866-444-3272 for help.
3
Form 5500: Search efast.dol.gov by employer name to find the plan administrator's contact info.
4
Contact providers directly: Check Fidelity, Vanguard, Schwab, T. Rowe Price, Empower — they manage most 401(k)s.
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Lost HSA (Health Savings Account) Finder
When you leave a job, your HSA doesn't follow you automatically. Millions of dollars in HSA funds sit forgotten at old custodians.
💡 Average forgotten HSA balance: $1,400
How to find your lost HSA
1
Check old pay stubs for the HSA custodian name (Optum, Fidelity, HealthEquity are the biggest).
2
Contact your old employer's HR and ask which HSA provider they used.
3
Search the top custodians directly: Optum Bank, Fidelity, HealthEquity, HSA Bank, Lively.
4
Consolidate into one HSA — most custodians let you transfer funds in for free.
$4,150
2026 individual HSA contribution limit
If you find an old HSA, you can still contribute up to the annual limit and get tax deductions.
Triple tax
HSA tax advantage
Tax-deductible contributions, tax-free growth, tax-free withdrawals for medical expenses. After 65, it works like a traditional IRA for any expense.
Age 65 super-IRA: After 65, your HSA becomes a super retirement account. You can withdraw for ANY purpose (not just medical) without penalty — you just pay regular income tax, same as a traditional IRA. Found HSA money is retirement money.
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Unclaimed Pension Benefits Finder
The PBGC (Pension Benefit Guaranty Corporation) holds over 80,000 unclaimed pension benefits. If you ever worked for a company with a pension plan, you might be owed monthly payments for life.
💡 80,000+ unclaimed pension benefits in PBGC database
Search the PBGC database
$500+/mo
Average unclaimed pension benefit
Many unclaimed pensions provide monthly payments for life once claimed — that's $6,000+ per year.
No deadline
Pensions don't expire
Unlike some claims, pension benefits never expire. You can claim them at any age, even decades later.
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Lost Life Insurance Policy Finder
$7.4 billion in life insurance benefits are currently unclaimed. Policies from deceased family members often go uncollected because survivors didn't know the policy existed.
💡 $7.4 billion in unclaimed life insurance benefits
Search the NAIC Life Insurance Policy Locator
Searches the official NAIC database used by all US insurers. Results typically arrive within 90 days.
Don't forget group policies: Many employers provide free life insurance (1-2x your salary) as a benefit. If a family member worked for a large company, check with their HR department for group life insurance benefits — these are the most commonly missed.
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State Unclaimed Property Search
Every state holds unclaimed property for its residents — forgotten bank accounts, uncashed paychecks, security deposits, utility refunds, and more. 1 in 4 Americans are owed money.
💡 1 in 4 Americans have unclaimed property waiting
Search your state's unclaimed property database
$58B+
Total held by states
States collectively hold over $58 billion in unclaimed property, growing by billions every year.
Free
Never pay to search
State databases are always free. Be cautious of any service that charges you to search — they're using the same free databases.
Search every state you've lived in. Unclaimed property is held by the state where you last had a known address. If you've lived in 3 states, search all 3. Also search under maiden names and previous addresses.
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Unclaimed Tax Refunds & Credits
The IRS holds over $1 billion in unclaimed refunds every year. If you didn't file a return, you may be owed money — but there's a 3-year deadline to claim it.
⚠️ Deadline alert: 2023 unfiled returns must be claimed by April 2027
Check if you're owed a tax refund
1
Check "Where's My Refund" at irs.gov/refunds for any pending refunds from filed returns.
2
Review unfiled years: If you didn't file for 2022 or 2023, you may be owed a refund. File within 3 years to claim it.
3
Check EITC eligibility: The Earned Income Tax Credit is worth up to $7,430 for 2023. Many people who qualify don't claim it.
4
Child Tax Credit: Up to $2,000 per child. If you had kids and didn't file, you left this money on the table.
🇺🇸
Matured Savings Bonds Search
$28 billion in US savings bonds have matured and stopped earning interest — but haven't been redeemed. Many were given as gifts and forgotten in drawers, safe deposit boxes, or old files.
💡 $28 billion in matured, unredeemed savings bonds
Search Treasury Hunt
Searches the official TreasuryDirect.gov database. Your SSN is used only for the search and is not stored.
Check your parents' and grandparents' records too. Savings bonds were an incredibly popular gift from the 1970s through 2000s. If a relative gave you a bond as a baby, it may have matured and is worth far more than the face value.
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Class Action Settlements
Companies settle lawsuits for hundreds of millions of dollars. If you used their product or service during the settlement period, you may be owed money — sometimes without any proof of purchase.
Active settlements you might qualify for
Facebook / Meta Privacy Settlement
Used Facebook between 2007-2022 in the US
Up to $725
Equifax Data Breach Settlement
Had an Equifax credit report before Sept 2017
$125+
Google Location Tracking Settlement
Had a Google account between 2014-2020
$50-300
TikTok Privacy Settlement
Used TikTok before Oct 2021 in the US
$25-167
New settlements every month: Join the Clovest waitlist and we'll alert you whenever a new class action settlement opens that you might qualify for. Most people miss these because they don't know to look.
Get notified when Clovest launches
We'll search all 8 databases automatically and alert you when we find money that's yours.
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