找回丢失的退休账户
找回丢失的退休账户
Do you have a long-lost retirement account left with a former employer? Maybe it’s been so long that you can’t even remember. With over 24 million “forgotten” 401(k) accounts holding roughly $1.35万亿美元的资产, even the most organized professional may be surprised to learn that they have unclaimed “found” money.1
什么是“被遗忘的”退休账户?
Considering that baby boomers alone have worked an average of 12 jobs in their lifetimes, it can be all too easy for retirement accounts to get lost in the shuffle.2 回想一下你的第一份工作. Can you remember what happened to your work-sponsored retirement plan? If you’re even slightly unsure, then it’s time to go looking for your potentially forgotten funds.
开始搜索
One of the best ways to find lost retirement accounts is to contact your former employers. If you’re unsure where to direct your call, try the human resources or accounting department. They should be able to check their plan records to see if you’ve ever participated. 然而, you will most likely be asked to provide your full name, 社会安全号码, 还有你工作的日期, 所以一定要有备而来.
If your former employer is no longer around, look for an old account statement. Often, these will have the contact information for the plan administrator. 如果你没有旧的声明, consider reaching out to former coworkers who may have the information you need.
Even if these first steps don’t turn up much info, they can help you gather important information.
浏览网页
接下来，是时候进行在线搜索了. Make sure you have as much information as possible at hand and give the following resources a try.
国家无人认领退休福利登记处
This database uses employer and 劳工部 data to determine if you have any unpaid or lost retirement account money. 就像大多数在线工具一样, 你需要提供你的社会安全号码, 但是不需要额外的信息.3
FreeERISA
如果你被遗忘的账户价值超过1美元,000美元，但不到5美元,000, it might have been rolled into a default traditional Individual 退休 Account (IRA). Employers create default IRAs when a former employee can’t be located or fails to respond when contacted. You can search for retirement and IRA accounts for free using this database, 但是需要注册.4
一旦你到了73岁, you must begin taking required minimum distributions from a traditional IRA in most circumstances. Withdrawals from traditional IRAs are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10 percent federal income tax penalty.
美国.S. 劳工部
最后, the 劳工部 tracks plans that have been abandoned or are in the process of being terminated. Try searching its database to find the qualified termination administrator (QTA) responsible for directing the shutdown of the plan.5
接下来是什么?
一旦你找到了你的退休账户, what you do with it depends on the type of plan and where it’s held. 你的位置也很重要. Depending on where you live, the rules and regulations may differ.
不管你决定做什么, be sure to involve your tax and financial professionals since they’ll be informed on current regulations for your state. They can also help you identify a strategy for your newfound money: travel, 投资, 或者是你一直想要的度假屋. You worked hard for that money, after all, so you should get to enjoy it!
1. 吉卜林.com, 2021年8月27日
2. USNews.com, 2021年10月22日
3. Unclaimed退休Benefits.com, 2022
4. FreeERISA.BenefitsPro.com, 2022
5. 痛单位.政府,2022
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