Detailed Answer
Under Mississippi’s Uniform Unclaimed Property Act (Miss. Code Ann. § 89-8-1 et seq.), assets are presumed abandoned after five years of inactivity. Common unclaimed assets include dormant bank accounts, uncashed checks, life insurance benefits, and safe-deposit box contents.
Step 1: Search Official Databases
- State Database: Visit the Mississippi Unclaimed Property Division (unclaimedproperty.dfs.ms.gov) and enter the decedent’s name.
- National Database: Use MissingMoney.com to locate assets in multiple states.
- County Records: Check the probate court where the decedent lived for safe-deposit box tickets or publish a notice in the local paper if required.
Step 2: Gather Required Documents
- Certified Death Certificate.
- Proof of Heirship: Letters of Administration or Letters Testamentary from the county probate court (Miss. Code Ann. § 91-7-301 et seq.).
- Valid photo ID of the claimant.
- Social Security numbers for the claimant and decedent.
Step 3: Submit a Claim
- Download and complete the official claim form from the Mississippi Unclaimed Property website.
- Attach all supporting documents.
- Mail or upload the claim package per instructions. The Unclaimed Property Division reviews claims under Miss. Code Ann. § 89-8-41.
- Processing typically takes 30–60 days.
Step 4: Follow Up and Appeal
- If approved, you will receive a check mailed to the address on file.
- If denied, you may appeal within 60 days under Mississippi law (Miss. Code Ann. § 89-8-63).
Helpful Hints
- Verify name spellings and search variations (maiden names, nicknames).
- Search under both individual and business names.
- Keep copies of all documents and correspondence.
- Consider consulting a probate attorney if the estate is complex.
- Check the state website periodically in case additional assets appear.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult an attorney to discuss your specific situation.