How to Claim Money a Late Loved One Left Behind

Yes, this money may belong to your family

When a loved one dies, they can leave behind money that gets forgotten. Old bank accounts, uncashed checks, insurance payouts, tax refunds, security deposits, and final paychecks can all sit unclaimed for years.

This money does not disappear. When a business cannot reach the owner, it usually turns the money over to the state. The state holds it until the rightful person, often a family member or heir, comes to claim it.

You do not need to pay anyone to find or claim this money. The official search tools and claim forms are free.

Start with a free unclaimed property search

Every state runs an unclaimed property program. You can search your loved one's name for free, and if you find a match, you can file a claim as an heir or the person handling the estate.

Search in every state where your loved one lived or worked. Money can be held in more than one place. Also search under both their full name and any nicknames or maiden names.

The trusted national starting point is MissingMoney.gov, which links to official state programs. Never pay a company that offers to find this money for a fee, because you can do the same search yourself at no cost.

Do not forget federal money and benefits

Some money is held by the federal government, not the states. This can include unclaimed tax refunds from the IRS, unpaid pension benefits, and matured savings bonds.

If your loved one had a life insurance policy, contact the insurance company directly. If you cannot find records, your state insurance department may offer a free policy locator service.

Gather documents before you start: a death certificate, your ID, and proof of your relationship or your role in the estate. Having these ready makes claims go faster.

Frequently asked questions

Does it cost money to claim a deceased relative's unclaimed property?

No. Searching and filing a claim through official state programs and MissingMoney.gov is free. You never have to pay a finder or middleman to get money that already belongs to your family.

What documents do I need to claim money as an heir?

Usually a death certificate, your own ID, and proof of your relationship or your legal role in the estate. Each state lists exactly what it needs on its claim form.

A company offered to find my relative's money for a fee. Should I use it?

You do not need to. These finders charge a cut of money you can claim yourself for free. Start with MissingMoney.gov and your state program instead.

How long do I have to claim this money?

Most states hold unclaimed property indefinitely until the rightful owner or heir comes forward, so there is usually no rush. Still, it is worth searching now while you have the records.