EBSA is helping America's workers and beneficiaries search for retirement plans that may still owe them benefits by establishing a public Retirement Savings Lost and Found Database through the SECURE 2.0 Act of 2022.
This database serves as a centralized location to find lost or forgotten benefits and get information on how to obtain those funds. Learn about the tools and resources available for you to recover your hard-earned benefits.
ID-Proofed Authentication Required
In order to keep your personal information safe, you must verify your identity through Login.gov. You can use an existing Login.gov account, but additional information may be required.
To access the Retirement Savings Lost and Found Database, you must have a valid ID-Proofed Login.gov account, which requires the following information:
- Legal first and last name
- Date of birth
- Social Security number
- A mobile device
- Front and back photo of an active driver's license
Get Started
Click the button below to be directed to Login.gov and verify your account. Once verified, you will be redirected back to DOL Lost & Found to search for retirement plans associated with your Social Security number.
Frequently Asked Questions
Find answers to common questions about the Retirement Savings Lost and Found Database website below.
You can use the website if:
- You worked for a private sector employer or were a member of a union that sponsored a retirement plan.
- Your employer was not a government entity, such as a city, state, or federal agency, or religious organization.
- You qualify for retirement benefits from that employer or union.
Registration only takes a few minutes and keeps your information secure. You need a Login.gov account validated with a legal identification (such as a driver’s license) to use the Retirement Savings Lost & Found Database.
Here’s how:
- Use Login.gov to verify your identity: Create a Login.gov account and complete the identity verification process. Visit Login.gov/help and review the Login.gov verification process steps for more information.
- Enter your Social Security number: Re-enter it to verify and click “Search.”
- View your results: The website will display a list of retirement plans linked to your Social Security number and provides contact information for the plan administrators.
- Contact the plan administrators: They will verify your identity and help determine any retirement benefits you may be entitled to collect.
Login.gov verifies your identity and secures your personal information when you use the Retirement Savings Lost & Found Database website. You can learn more on the Login.gov website.
Yes, the website protects your data with the highest industry security standards, including full data encryption. You must authenticate your identity through Login.gov to access the system. You can access data only linked to your verified identity.
The system uses your information to find retirement plans linked to your Social Security number. It does not share your information with anyone else. For more details, review the U.S. Department Labor’s Privacy & Security Statement
Yes, you can opt out by using this online form. Opting out prevents anyone from accessing any data linked to your name and Social Security number. You do not need Login.gov credentials to complete the opt-out process.
The website will offer an opt-in option starting in early 2025. To opt back in, you must confirm your identity using Login.gov. Once you complete the opt-in process, your information will become searchable within approximately 48 hours.
The website can help you find retirement plans linked to your Social Security number that were sponsored by private sector employers and unions, including:
- Defined-benefit pension plans: These guarantee a lifetime monthly payment, such as an annuity, or a lump-sum payment at retirement.
- Define-contribution plans: These include plans like 401(k)s, which are primarily funded by employees and grow during their working years.
The website can’t help you find individual retirement accounts, often referred to as IRAs, or plans sponsored by government entities or religious organizations. The website also does not include information about Social Security benefits.
To learn more about retirement plans, click here for additional information.
No, the search results show that you participated in a retirement plan at some point in the past. Your benefits may have already been paid out as a lump sum, rolled over to another retirement account, or provided as an annuity. Only the plan administrator can tell you if you still have benefits to claim.
A plan administrator is a person or company that manages a retirement fund or a pension plan for its participants and beneficiaries. The plan administrator ensures that funds are collected and distributed to all qualified participants or beneficiaries, prioritizing their interests over the company’s when making decisions.
The SECURE 2.0 Act was signed into law in 2022 to expand retirement savings options for America’s workers and their families. A key provision calls for the creation of the Retirement Savings Lost & Found Database to help individuals find missing retirement accounts.
Contact a Benefits Advisor online at Ask EBSA or call 1-866-444-3272
Benefits Advisors do not have access to the Retirement Savings Lost & Found Database or your private data.
For technical assistance, email RSLFTechSupport@dol.gov.