Unclaimed 401K – How to find your lost 401K money

When you leave a job many times your 401k will stay with your previous job. But what happens to this lost 401k money if the company goes out of business or if you just forget about it? Many times these unclaimed 401k retirement accounts become lost and there are millions of dollars in unclaimed or lost 401k funds in various states.  The problem is most people don’t know how to locate these unclaimed funds. After all you can’t call anyone at the company that is now out of business. To find lost unclaimed 401k money you need to contact the 401K National Registry of Unclaimed Retirement Benefits. Unclaimed 401k funds are catalog in the registry and they can help you find your unclaimed 401k.

Lost 401K

You need to follow some steps to get your lost 401k money returned:

1. Enter your social security number in the 401K National Registry Database and then perform a search. This will search the national database and find any unclaimed money which you are entitled to receive.

2. Once you enter in your SSN number to search for unclaimed money in 401k accounts registered to you, then you will be taken to a page showing you where they are and you will be able to complete the necessary paperwork to obtain your money or get it transferred to another retirement account you own.

Obtaining Unclaimed 401K is just that easy. So get out there and find any lost 401k money to which you are entitled.

Some people think that an employer can keep your 401k funds but that is not the law. All states have laws that protect the owners for lost 401K’s from losing their investment funds. Since most retirement accounts are essentially mutual funds many of the banking laws apply to them. Now while your funds are not guaranteed in a mutual fund, your 401k distribution may be in a safer investment tool and be as safe as a normal FDIC insured account. It really all depends on the choices you made when you set up your account. Of course if you did choose wisely when you choose your settings then a 401K could have grown immensely over the years and its worth a few minutes of your time trying to locate your lost 401k.

As you can see by the many comments on this page, many people forget about their 401K when they leave jobs. In most situations this will not affect your money, but it is normally a better idea to convert your 401k retirement account to one an IRA or other retirement account that has tax saving benefits.

Unless you have reached 59 years old, then you normally do not want to cash out your 401k funds as you could lost as much as 40% of your money due to taxes and penalties.  This could extend the amount of time you may need to work before you are able to retire comfortably.

It is always good advice to consult with a retirement planner before making any changes to your 401K retirement accounts. Whether they are lost or if you know exactly where your money is located.

If you have multiple retirement accounts it may make sense to combine the accounts and ensure you are allowing your money to earn the most interest available. Of course this all depends on the amount of years you may have until retirement. A qualified retirement planner can work with you and determine the best course of action. Some items to consider:

These are just some of the questions you will need to ask your retirement planner once you have found all your 401 k funds and are making plans for your retirement.



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27 Responses to “Unclaimed 401K – How to find your lost 401K money”

  1. I just realized that I had 401k at my job 20 years ago! What happen to that money and what can I do about it

  2. need to know if i have 401k

  3. i need to know if i have 401k from my old job

  4. I left a job in 1998 that I had been with for nearly 20 years. I thought I had taken all of my 401k money when I left but when I went on Social Security, they notified me that I had two more accounts that were entirely funded by my employer to be taken when I retired. Well I have since contacted the company sort of, they were bought out by another company. They have no record of these accounts. How do I go about getting my money?

  5. Iamlooking for an old 401k from arizona.

  6. id like to know if I have 401k from jobs past 20 years.

  7. I am trying to locate unclaimed money from 401k on some of the jobs that i have worked.

  8. i’m trying to find my 401k money i was working at paramount
    in nj years ago.

  9. iam looking for 401k from past years.

  10. Searching for unclaimed 401 k money from 1995 to 2011

  11. crystal walters december 2 2011 said i need to know what happen to my 401 k from a previous job gabriel went bank rutt

  12. i left that job in 2001

  13. I should have money from 401K 13 yrs. ago.

  14. Hi to whom it may concern: I was working in Mony Insurance Company from November 3rd 1983 til 1987, I had a 401 K at the time and one day I receevied a lettewr from American Express in reference to my 401K, I had my mom sick whom I was taking care at the time and I never followed it up. how can I find out about this matter. I have been layed off for a while , and if by the grace of god i have anything that belongs to me I would surely like to recover it. thank you.
    please tell me how I can follow this up . again Thank you
    Happy Holidays


  16. I’id like to know if I have 401k from jobs past 12 years.

  17. I’ve worked for LA GEAR INC from 1982-1989. ACI company has bought that company. I went there recently to find out where my old 401K was, they couldn’t even track my employment history. I went to Social Security Administration which had my employment history. How can I find my 401K? Please help

    my email: hengbokkati@hotmail.com
    Thank you

  18. loss 401k on 2001

  19. Worked for a Sanchez electrical company for the summer of 07 in a local school.Note pervalion waiges made a ton of money the company matched 100% so i put away maybe 5k and they said they sold my 401k to a bank! just want to know if i can get something back?

  20. I worked for a company called Compact Air Products in the late 80′s and had 401k being matched by them for several years. The company has been sold and is under a larger umbrella type company yet still operating today here locally. When I tried contacting them they said they only had information dating back maybe 10 years and blew me off. Does this 401k account still exist and if so how do I find it…?

  21. I am searching for my lost 401k from a previous employer. Can you please tell me how I can locate it!?

    Thank you,

  22. lost my 401 plan 20years ago.how do I find it.

  23. I am searching for my lost 401k from previous employment

  24. I am searching for my lost 401k from a previous employer. Can you please tell me how I can locate it!?

    Lost 401K’s can be found by contacting your previous employer. They will be the first ones to tell you the best method for locating your lost 401k.

  25. i am searching for my lost 401k from my previos employer in norwalk connecticut ,employer algonquin parts.this was in the 60″ to 70″,

  26. I am looking for old 401k or investments that I may have left behind

  27. Please help my boyfriend worked over 10 years at glendale community college and has 401k in his will I was given everything but have no paper work due to house being robbed shortly after and im also mentally handicap dont understand a lot of things can some one please give me food for thought on what to do from here will least cost possible. Thanx

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