Companies go out of business, merge, or change names. Former employees move, change addresses, and lose track. The pension money is still there — but nobody's coming to find you. We do.
You earned it. You vested in it. But life happened — and now the money is sitting somewhere, waiting.
Your Former Employer Closed or Merged
When a company goes out of business, gets acquired, or changes its name, pension plan information gets buried. Former employees assume the pension disappeared with the company — but it didn't. The Pension Benefit Guaranty Corporation (PBGC) insures most private pensions, and the money is still there.
You Moved and Lost Contact
Pension administrators send statements and notices to your last known address. If you moved and didn't update your contact information, those notices stopped reaching you. Years pass — and you forget you ever had a pension.
The Paperwork Got Lost
Decades-old pension paperwork is easy to misplace. Without the plan name, employer details, or account numbers, most people don't even know where to start looking. We reconstruct your employment history to trace every plan.
You Left Before Retirement Age
You changed jobs at 35 and forgot about the pension you vested in. Now you're 65 and that money is sitting in a plan you haven't thought about in 30 years. The pension is still yours — you just need to claim it.
The Pension Benefit Guaranty Corporation is a federal agency that protects private-sector pension benefits. When a company's pension plan terminates without enough money to pay all benefits, the PBGC steps in.
The PBGC currently holds over $300 million in unclaimed pension benefits for more than 80,000 people. You could be one of them.
1. Employment History Review
Tell us everywhere you've worked. We build a complete employment timeline — including companies that merged, changed names, or went out of business.
2. Multi-Database Search
We search the PBGC database, state unclaimed property records, and the National Registry of Unclaimed Retirement Benefits. We also contact plan administrators directly.
3. Claim Verification
When we find a pension, we verify your eligibility — confirming your vesting status, benefit amount, and payment options (lump sum vs. annuity).
4. Paperwork & Filing
We complete all required claim forms, gather supporting documents (ID, employment verification), and submit everything to the plan administrator or PBGC.
5. You Receive Your Benefits
Payments come directly to you — either as a lump sum or monthly annuity. Our 35% fee only applies to what we recover.
$300M+
Unclaimed PBGC benefits waiting
80,000+
People owed pension money they don't know about
$12,000
Average unclaimed pension benefit amount
If We Don't Find Anything
$0
You pay nothing. Not a cent.
If We Recover Your Pension
35%
Of the amount we recover — only on success.
Every 10th claim is free through our 9-for-1 giveback program.
If you worked for a company that offered a pension plan and you were there long enough to vest (typically 3–5 years), you likely have pension benefits waiting. Most people who changed jobs multiple times have at least one forgotten pension. We trace every employer in your history.
A 401(k) is a defined contribution plan — you have an account balance that you can typically roll over when you leave. A pension (defined benefit plan) promises a specific monthly payment at retirement age. You can't roll it over — you have to claim it from the plan when you reach retirement age.
Most private-sector pensions are insured by the PBGC. If your former employer's plan terminated without enough funds, the PBGC takes over and pays your benefits — up to federal limits. Your money is protected.
That's common — especially if you worked there decades ago. Provide whatever you remember: approximate dates, industry, location. We reconstruct your employment timeline and trace every possible plan. Even a partial employment history gives us enough to start.
Absolutely. Pension benefits don't expire. If you vested in the plan, the money is yours — whether you left 5 years ago or 40 years ago. The challenge is finding it, which is what we do.
The initial search takes 1–3 weeks. Once a pension is confirmed, the claim process varies: 4–8 weeks for a simple claim, 3–6 months for complex cases involving defunct employers or PBGC involvement.
Correct. $0 upfront. We only charge our 35% contingency fee after you receive your pension benefits. If we search and find nothing, you owe us nothing.
It takes 2 minutes. No cost. No obligation. Just answers.
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