DEAR SAVVY SENIOR: I’ve heard that there are free online search tools that can help people look for lost or forgotten money left behind by deceased relatives. Can you refer me?

When my father passed away his financial affairs were in such a mess, I’m wondering if there was anything he left behind.

— Wondering Daughter

DEAR WONDERING: Forgotten or lost money is actually quite common in the United States. According to the National Association of Unclaimed Property Administrators, there is around $42 billion in unclaimed funds sitting in state treasuries and other agencies just waiting to be found.

These unclaimed funds are from accounts that are inactive or whose owners, or their heirs, cannot be located. Unclaimed funds can include things lost or forgotten saving or checking accounts, stocks, utility security deposits, tax refunds, life insurance proceeds, uncashed dividend checks, contents of safe-deposit boxes and more.

By law, companies and financial institutions that can’t find the owner or their next of kin within two to five years must turn the property over to the state where it’s held indefinitely.

WHERE TO SEARCH

It’s very possible that your father, or you, have some unclaimed money out there and you don’t even know it. To start your quest go to unclaimed.org, which has links to all state programs that will let you to do a state benefits search online for free. Check every state in which your father or you have lived, worked or conducted business. Using a first initial and your last name is also encouraged to make sure everything comes up. Every state can tell you immediately if you or your dad have some unclaimed money and how to go about collecting it.

LOOK HERE, TOO

In addition to state treasuries, here are some other agencies that can help you find unclaimed money.

>> IRS: To look for lost federal tax refund checks, go to irs.gov/refunds or call 800-829-1954.

>> U.S. Treasury: To find out if there are any savings bonds dating back to 1974, go to treasuryhunt.gov. For older bonds or those still drawing interest use form 1048, which you can download at treasuryhunt.gov/forms/sav1048.pdf or call 844-284-2676 to request a form by mail.

>> Pension Benefit Guaranty Corp.: To look for lost pensions, use the pension-search tool at pbgc.gov/search/unclaimed-pensions or you can call 800-400-7242.

>> National Association of Insurance Commissioners: Track down a lost or forgotten life insurance policy at locator.naic.org.

>> PenChecks Inc. and Millennium Trust Co.: To search for lost or forgotten retirement benefits or 401(k) funds left behind with an old employer, go to unclaimedretirementbenefits.com and mtrustcompany.com/unclaimed-retirement-funds.

>> Federal Deposit Insurance Corp.: To search for unclaimed bank accounts at firms that were shut down between Jan. 1, 1989, and June 28, 1993, go to closedbanks.fdic.gov/funds. State treasuries hold assets from shutdowns after 1993.

>> Social Security: To find lost Social Security benefits, including the $255 death benefit, call 800-772-1213.

Jim Miller is a contributor to NBC-TV’s “Today” program and author of “The Savvy Senior.” Send your questions to Savvy Senior, P.O. Box 5443, Norman, OK 73070; or visit savvysenior.org.