State Unclaimed Property in Massachusetts
The Massachusetts State Treasurer holds unclaimed property — dormant bank accounts, uncashed checks, insurance payouts, stocks, and safe-deposit contents — until the owner or their heirs claim it. Property is reported to the Treasurer after a holder has been unable to reach the owner for three years.
Administering agency
Massachusetts State Treasurer — Unclaimed Property Division
Authority
M.G.L. c. 200A
State Unclaimed Property in Massachusetts: key facts
- Administering office
- Massachusetts State Treasurer, Unclaimed Property Division.
- Official search
- findmassmoney.gov (free search and online claims).
- Dormancy period
- Property is generally turned over to the Treasurer after three years of no owner contact.
- Heir claim documents
- If the estate was probated, a copy of the original court appointment — the Probate and Family Court's Letters of Authority for Personal Representative (MPC 751). If the estate was not probated, the Treasurer's Affidavit of Heirs form, which the Division limits to claims under $1,000.
- Small estate option
- For estates that were not probated and claims under $1,000: the Treasurer's Affidavit of Heirs form (findmassmoney.gov/docs/MA_Affidavit_of_%20Heirs.pdf), notarized, listing all beneficiaries per intestate law. Separately, for an estate consisting entirely of personal property of $25,000 or less (excluding the value of a car) with no real estate, voluntary administration under M.G.L. c. 190B § 3-1201 can substitute for full probate — filed at least 30 days after death, if no petition for appointment of a personal representative has been filed. It results in no court appointment and no Letters of Authority; the Register of Probate issues an attested copy of the Voluntary Administration Statement (MPC 170), which the voluntary personal representative presents to the holder.
- Claim processing time
- Allow up to 180 days once the Unclaimed Property Division has received all required documentation. Some claims are approved automatically; most need additional information to verify the claimant is the rightful owner or heir. Claim status can be checked online at findmassmoney.gov.
Governing law: M.G.L. c. 200A
Steps to take when someone dies
- Search findmassmoney.gov for the deceased's name and prior addresses, and run a multi-state search at missingmoney.com.
- File a claim as the estate representative or heir:
- Letters of Authority (MPC 751) if the estate was probated — a copy of the original court appointment
- The Treasurer's Affidavit of Heirs form if the estate was not probated and the claim is under $1,000
- Proof of death and identification
- The Treasurer reviews the claim; allow up to 180 days after the Division has all required documentation.
Massachusetts State Treasurer — Unclaimed Property Division
Phone: 617-367-0400
Visit the agency website →Frequently asked questions
Search findmassmoney.gov, then file a claim with the Unclaimed Property Division. If the estate was probated, provide a copy of the original court appointment — the Letters of Authority issued by the Probate and Family Court. If it was not probated and the claim is under $1,000, use the Treasurer's Affidavit of Heirs form. Either route also requires proof of death and identification.
No. Under M.G.L. c. 200A, a person claiming an interest in property surrendered to the State Treasurer may establish the claim at any time thereafter. The Division states there is no time limit for filing claims — the state holds unclaimed property in perpetuity for the rightful owners.
The Unclaimed Property Division asks claimants to allow up to 180 days for processing once it has received all required documentation. Claim status can be checked online at findmassmoney.gov.
Sources
Data sourced from State Unclaimed Property in Massachusetts primary sources (14 pages reviewed). How we research.
Administering agency
Massachusetts State Treasurer — Unclaimed Property Division
Authority
M.G.L. c. 200A