Finding Lost Insurance Policies and Other Valuables
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1 FRM-RHF.126 Finding Lost Insurance Policies and Other Valuables There is over $32.8 billion in unclaimed money and property in the United States. The Kentucky alone holds more than $150 million in unclaimed property, just waiting to be found by the owners. This cache of money and property comes from banks, insurance companies, stocks, bonds, jewelry, and other properties that are unclaimed or whose owners cannot be located. Also, the IRS has thousands of dollars in unclaimed refunds. Searching for money can be easy and fun if you know what to do. Each state has an office that collects unclaimed property. The Kentucky State Treasurer provides a simple way of searching for lost property. On their Web site, you can type in a name to search their database. If you find a match, you can follow directions provided on the site for completing the necessary paperwork to collect your lost property. If you do not have Internet access, call the State Treasurer s office at (800) to request a search, or send a request in writing to: Kentucky State Treasurer s Office 1050 US Highway 127 South Suite 100 Frankfort, Kentucky Useful Web sites for tracking down unclaimed property include and run by the National Association of Unclaimed Property Administrators (NAUPA). Both sites provide information free of charge and will connect you to unclaimed property Web sites for each state, as well as national unclaimed property Web sites. Unclaimed Life Insurance Benefits Each year, millions of dollars in life insurance policies go uncollected because family members don t know they exist. If you have a family member who bought and paid for life insurance, and you re listed as a beneficiary, you are eligible to receive the benefits any time after their death, even years later! It is possible that your deceased family member had a life insurance policy that has not been collected; but, unfortunately, no national database keeps track of this information and, unless they know the person is deceased, insurance companies are not obligated to turn the money over to the state. The American Council of Life Insurers offers these suggestions for locating lost policies: 1. Go through the deceased s paperwork, including cancelled checks, bank statements, and address books, and look for insurance transactions such as bills paid or received, as well as annual statements. Contact all companies the deceased had insurance with to determine if any of their policies included life insurance coverage. 2. Speak with the deceased s financial advisors. Banks, lawyers, and insurance agents all may be able to provide helpful information. 3. Ask past employers about group insurance the deceased may have purchased. 4. Check the deceased s mail up to a year after his or her death. Often, insurance
2 companies issue annual statements of coverage or notice of lapsing policies. 5. Review income tax returns for the past two years. The deceased may have paid taxes on interest earned on the policy. 6. Contact all insurance companies in the state in which the deceased resided. You can obtain a list of all companies authorized to do business in a state through that state s Department of Insurance. 7. Due to mergers, name changes, or location changes, insurance companies may be difficult to track down. Best s Insurance Reports, available in most large libraries, provides an annual list of companies, including any name, address, or merger changes. Money Finders At some point, you may receive a letter from someone offering to find lost property for a small fee. These letters and services are not illegal, but you can easily do the same searches yourself, using the Web sites listed above. According to NAUPA, the following are ways a money finder will solicit you: The finder will send you a letter or postcard requesting a fee in exchange for information on your unclaimed property. The company may or may not know if you have unclaimed property, and what you may be buying is a list of agencies that provide the information. This information is available to you, free of charge, through state governments. The finder will notify you of unclaimed property and request a percentage of the funds in return for their services. In most circumstances such as this, the money has not yet been turned over to the state. To handle it yourself, you can: check your papers for any correspondence from the company notifying you of money owed to you, negotiate with the money finders for a lower percentage, pay the money finder what they ask, or wait until the money is handed to the state and claim it yourself. Good luck in your hunt for lost treasures! STATE ADDRESSES Alabama P.O. Box Montgomery, AL Alaska P.O. Box Juneau, AK sury/programs/programs/index.asp x? Arizona P.O. Box Phoenix, AZ chure/200.pdf Arkansas Auditor of State 1400 W. 3rd St., Suite 100 Little Rock, AR rop/ California Division of Collections Bureau of Unclaimed Property P.O. Box Sacramento, CA Colorado Great Colorado Payback 1580 Logan Street Denver, CO cp/ p/ Connecticut Office of State Treasurer 55 Elm Street Hartford, CT Delaware Bureau of Abandoned Property P.O. Box 8931 Wilmington, DE ation/escheat.shtml District of Columbia Office of Finance & Treasury 810 1st St. NE, Room 401 Washington, DC ,q,590719,.asp
3 Florida Dept. of Banking & Finance Bureau of Unclaimed Property 101 E. Gaines St., Fletcher Bldg. Tallahassee, FL jsp Georgia Unclaimed Property Program 4245 International Parkway, Suite A Hapeville, Georgia index.aspx Guam Treasurer of Guam P.O.Box 884 Agana, GU Hawaii Dept. of Budget & Finance P.O. Box 150 Honolulu, HI ml/ Idaho Idaho State Tax Commission P.O. Box 36 Boise, ID ho.htm Illinois Dept. of Financial Institutions P.O. Box Springfield, IL Indiana Attorney General's Office 402 W. Washington, Ste. C-531 Indianapolis, IN apps/ag/ucp/index.html Iowa State Capitol Building Des Moines, IA laimed/index.cfm Kansas 900 Jackson Suite 201 Topeka, KS eb/up/index.php Kentucky Unclaimed Property Branch State 1050 US Highway 127 South, Suite 100 Frankfort, Kentucky Toll-free: (800) Fax: (502) Louisiana Department of the Treasury P.O. Box Baton Rouge, LA Maine Abandoned Property Division 39 State House Station Augusta, ME laimed_property/ Maryland 301 W. Preston Street Baltimore, MD Massachusetts Abandoned Property Division 1 Ashburton Place, 12th Floor Boston, MA bp.htm Michigan P.O. Box Lansing, MI Minnesota 133 East 7 th Street St. Paul, MN p/content.do?id= &agency=Commerce Mississippi P.O. Box 138 Jackson, MS claimed/ Missouri P.O. Box 1272 Jefferson City, MO Montana Mitchell Building Helena, MT services/unclaimedproperty.asp Nebraska P.O. Box Lincoln, NE index.asp Nevada Department of Business & Industry 2501 East Sahara Ave., Ste. 304 Las Vegas, NV
4 New Hampshire 25 Capitol Street, Room 205 Concord, NH s/ap/apfaq.htm New Jersey Department of the Treasury Unclaimed Property P.O. Box 214 Trenton, NJ tion/index.html?updiscl.htm%7emai nframe New Mexico Taxation & Revenue Department P.O. Box Santa Fe, NM New York State Comptroller Office of Unclaimed Funds 110 State Street Alfred E. Smith Bldg., 9th Floor Albany, NY x.htm North Carolina Department of State Treasurer Escheat & Unclaimed Property 325 North Salisbury Street Raleigh, NC me/adminservices/unclaimedprop erty/default.htm North Dakota State Land Department P.O. Box 5523 Bismarck, ND Ohio Department of Commerce Division of Unclaimed Funds 77 South High Street - 20th FL Columbus, OH Oklahoma Oklahoma State Treasurer 4545 N. Lincoln Blvd., Ste. 106 Oklahoma City, OK tml Oregon Division of State Lands 775 Summer Street NE, Suite100 Salem, OR L/UP/index.shtml Pennsylvania P.O. Box 1837 Harrisburg, PA Puerto Rico Office of Financial Affairs Fernandez Jurcus Station P.O.Box San Juan, PR edeng/unclaimedmain.aspx Rhode Island P.O. Box 1435 Providence, RI dproperty/ South Carolina Office of the State Treasurer PO Box Columbia, SC prog_uncla_prop/search_unclaim_ property.htm South Dakota 500 East Capitol Ave. Pierre, SD asp?page=unclaimed_property 4 Tennessee Andrew Jackson Bldg., 9th Floor Nashville, TN aim/ Texas Comptroller of Public Accounts P.O. Box Austin, TX eneralinfo.html Utah 341 South Main St., 5th Floor Salt Lake City, UT Vermont 133 State Street Montpelier, VT nclaimed/index.html Virginia P.O. Box 2478 Richmond, VA asp Virgin Islands US Virgin Islands Office of the Lieutenant Governor Hon. Gerard Luz James II St. Thomas, VI Washington P.O. Box 448 Olympia, WA
5 West Virginia Office of State Treasurer One Players Club Drive Charleston, WV Wisconsin P.O. Box 2114 Madison, WI Wyoming Office of the State Treasurer 2515 Warren Avenue, Suite 502 Cheyenne, WY References and Resources American Council of Life Insurers 101 Constitution Avenue, NW Washington, D.C (202) Missing Policy Inquiry National Association of Unclaimed Property Administrators (Internet only) About Finders Missing Money (Internet only) Kentucky Robert H. Flashman, Ph.D. Extension Specialist for Family Resource Management Linda Klos, M.S. Former Student in Family Studies Claire Kimberly, B.S. Graduate student, Family Studies November 2003; revised January 2010 Copyright 2010 for materials developed by University of Kentucky Cooperative Extension. This publication may be reproduced in portions or its entirety for educational or nonprofit purposes only. Permitted users shall give credit to the author(s) and include this copyright notice. Educational programs of the Kentucky Cooperative Extension Service serve all people regardless of race, color, age, sex, religion, disability, or national origin. 5
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