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Help With Your Unclaimed Pension Search

What to do if you cannot find a name?
  • Check your spelling or try another name, such as a maiden name or former married name.
  • If you believe you are entitled to a pension from PBGC, but cannot find your name or company, first make sure that:

    PBGC has trusteed your pension plan. To see if we have trusteed your plan, go to Find My Plan. If we have not trusteed the plan, then your name will not appear in our Unclaimed Pensions list.
    PBGC trustees only "defined benefit" pension plans sponsored by private-sector companies. "Defined benefit" plans are those plans that promise participants a specific benefit, usually a monthly amount, at retirement. Plans such as profit-sharing or 401(k) plans are not "defined benefit" plans. PBGC does not insure pension plans offered by federal, state, or local government.  

    Exception: There are two exceptions where names could appear in our Unclaimed Pensions list even if PBGC hasn't trusteed the plan.

    1. Plans covered by the Page Collins or Rettig settlement agreements, or
    2. Plans that end in a standard termination.
      Participants in these plans who could not be found by the plan administrator or PBGC are included in the Unclaimed Pensions list. These plans generally will not appear in PBGC's Find My Plan
  • Check our insured plan listing to find a plan that is still ongoing.
  • Consult our publication Finding a Lost Pension [PDF].
  • See also: Additional External Resources for Finding an Unclaimed Pension
What to do if you cannot find a company?
  • Check your spelling and try searching again
  • In some cases, the name of the organization that sponsored the pension plan may have changed due to mergers, reorganizations, bankruptcies, etc.
  • Also see PBGC's publication Finding a Lost Pension [PDF].
If your name has an asterisk (*) next to it

An asterisk next to a name means that PBGC is uncertain whether the person is owed a benefit from the pension plan, based on the records currently available to PBGC (for example, a plan sponsor may have sent us a name but with a zero benefit). However, we encourage you to contact us for a determination. You may provide additional documentation that may establish a right to a benefit.

If your name is on the list or if you think you may be a beneficiary of a person whose name is listed

If you find your name on the list, or if you think you may be a beneficiary of a person listed, you can contact PBGC in several ways:

  • Call us toll-free at 1-800-326-LOST (5678). (TTY/ASCII users may call the federal relay service toll-free at 1-800-877-8339 and ask to be connected to 1-800-326-LOST.)
  • E-Mail us at found@pbgc.gov. We will use the information you submit by e-mail only for the purposes described here. However, we cannot assure the security of the information during transmission. Please review PBGC's Privacy Policy.
  • Write to us to receive an application for the pension benefit PBGC may be holding for you:

    Pension Benefit Guaranty Corporation P.O. Box 151750 Alexandria, Va. 22315-9923

Please provide the following information when you contact PBGC:

  • Your name,
  • Social Security number,
  • Mailing address,
  • Daytime and evening telephone numbers, and
  • Company name and dates you worked for the company.
If you are a beneficiary of a person on the list

If you are a beneficiary of the person listed, you will be asked similar information about yourself. Use the toll-free number only if you identify yourself as a person listed in the directory or a beneficiary of that person.

A company contacted me about unclaimed funds that may belong to me and offered to help me claim them for a fee. What does this mean?

There are companies and individuals not affiliated with PBGC that search for owners of unclaimed property, such as pension benefits, and offer to help obtain the property for a fee. They may also be referred to as unclaimed property locators, heir finders, asset locators, property locators, etc.

A locator may have contacted you about a possible unclaimed pension benefit and told you that to obtain the benefit you will need to enter into a contract with the locator. The contract may provide that you will be responsible to pay a fixed fee or a percentage of your pension.

Any agreement or contract between you and a locator may be subject to limits by state laws related to unclaimed property or unfair and deceptive trade practices. 
 

Do I need to work with a locator company to receive my PBGC pension?

No. You do not need to pay a locator to help you find or apply for a benefit with PBGC. 


To find out if PBGC holds a pension benefit that belongs to you, go to our website’s Missing Participants search page or contact PBGC directly at 1-800-400-7242. Applying for your PBGC pension benefit is free and PBGC staff are available to assist you with the benefit application process, also free of charge.  
 

I have signed a contract with a locator firm. Will PBGC deduct the fee from my pension benefit?

No. If you decide to use a locator’s services, PBGC cannot pay the locator a fee or reduce your pension to pay a fee directly from your pension, even if you request it. In addition, PBGC cannot reimburse you if you have already paid any fee to the locator.

If your name is not on the list

People who believe they may be missing from the records of a terminated defined benefit plan, or are surviving beneficiaries and are not on the Unclaimed Pensions list, should first try to contact the pension plan administrator or the company sponsoring the plan.

If the sponsoring company cannot be located, people who believe they are owed a benefit should contact PBGC by:

  • Writing to us:
    PBGC Pension Search Program 1200 K Street, NW, Suite 930 Washington, DC 20005-4026

  • E-Mailing us at found@pbgc.gov. We will use the information you submit by e-mail only for the purposes described here. However, we cannot assure the security of the information during transmission. Please review PBGC's Privacy Policy.

Please provide the following information when you contact PBGC:

  • Your name,
  • Social Security number,
  • Mailing address,
  • Daytime and evening telephone numbers, and
  • Company name and dates you worked for the company.