Unclaimed property for heirs and estates

Much unclaimed property belongs to people who have died — accounts and policies their families never knew about. Heirs and estate representatives can claim it.

Where to search

• Every state where the person lived, worked or banked — including long ago.
• Every name they used, including maiden names.
• Search for yourself too: insurers sometimes report proceeds under the beneficiary.
• Check federal sources: savings bonds, pensions, veterans' insurance. See federal sources.

Who can claim

Generally the estate's executor or administrator, or — if there's no open estate — heirs entitled under state law. Many states have a simplified process for smaller amounts that doesn't require probate.

Documents states usually ask for

• A certified death certificate.
• Proof of your role: letters testamentary or of administration, a small-estate affidavit, or a will.
• Proof the person lived at the address on file.
• Your own ID.

Requirements differ by state and by amount. Each state's official site lists exactly what it needs.

Is there a time limit?

In most states, no — property is held for the rightful owner or heirs indefinitely.

This is general information, not legal advice. For complex estates, consult a probate attorney licensed in the relevant state.