How Heirs Locate and Claim Unclaimed Property of a Deceased Relative in New Jersey

When someone passes away, they often leave behind bank accounts, insurance payouts, or other assets that remain unclaimed. New Jersey’s Division of Unclaimed Property holds these assets until rightful owners or heirs come forward. This guide walks you through locating and claiming unclaimed property under the New Jersey Unclaimed Property Act (N.J.S.A. 46:30B-1 et seq.).

Understanding New Jersey’s Unclaimed Property Law

New Jersey requires businesses and financial institutions to report and remit dormant intangible property—such as bank balances, uncashed checks, dividends, and safe-deposit contents—to the state after a period of dormancy (usually three years). The state then holds these assets in custody. For full statutory details, see N.J.S.A. 46:30B-1 et seq. on the New Jersey Legislature website: www.njleg.state.nj.us.

Step-by-Step Process to Find Unclaimed Property

1. Search the New Jersey database. Visit the Division of Unclaimed Property portal at www.state.nj.us/treasury/unclaimed/ and enter the deceased’s legal name. You can also search by city or last known address.
2. Review potential matches. Note any items listed under the deceased’s name. Record the file number and type of property (bank account, utility deposit, insurance, etc.).
3. Gather required documents. Prepare proof of death (death certificate), proof of relationship (will or pedigree chart), and proof of identity for each heir (driver’s license, passport). If probate occurred, include Letters Testamentary or Letters of Administration.
4. Complete the claim form. Download and fill out the official claim form from the Division’s website. Each heir must sign the form and certify the information is true under penalty of N.J.S.A. 46:30B-64.
5. Submit your claim. Mail or upload your completed form and supporting documents as instructed on the form. Keep copies of everything submitted.
6. Track your claim. The Division will review your submission and may request additional information. You can check claim status online or by calling (609) 984-7315.

Timeframes and Deadlines

Under N.J.S.A. 46:30B-63 and -64, heirs generally have five years from the date the property is reported to file a claim. After that period, property may be transferred to the state’s general fund.

Common Challenges and Tips

Heirs sometimes struggle when records are incomplete or names changed due to marriage. Always search alternative spellings, include all relevant supporting documents, and respond promptly to any requests from the Division.

Disclaimer

This article provides general information and does not constitute legal advice. Consult a qualified attorney for advice tailored to your specific situation.

Helpful Hints

• Use the deceased’s full legal name, including any suffixes (Jr., Sr., III).
• Check maiden names and common nicknames when searching.
• Gather multiple forms of ID to avoid processing delays.
• Retain copies of all documents sent to the Division.
• Follow up regularly if the Division requests more information.
• Consider consulting a probate attorney if the estate is complex.