What to expect after the 90-day waiting period for an unclaimed property claim in Michigan

Disclaimer: This is general information and not legal advice. I am not a lawyer. If you need legal advice about a specific situation, consult a licensed Michigan attorney.

Detailed Answer

When you file a claim for unclaimed property with the State of Michigan, the Treasury reviews the claim and verifies ownership and supporting documents. Michigan administers unclaimed property under the state’s Uniform Unclaimed Property Act (see MCL 567.1201 et seq.). For the statute text, see: MCL 567.1201 et seq..

If your claim enters a formal 90-day waiting or review period, here is what typically happens after that period ends:

• If the Treasury has approved the claim: The State will issue payment to the claimant. Payment method is usually a check sent by mail or, where available, electronic transfer. The Treasury will notify you that the claim was approved and state how and when payment will be delivered.
• If the Treasury needs more information: They may request additional documentation (identity verification, proof of ownership, account records, or an assignment if you represent another person or entity). If those documents are not produced during or after the 90-day review, the claim may be delayed or denied.
• If the claim is denied: The Treasury will send a notice explaining the reason. Common reasons include incomplete proof of ownership, mismatch between name on file and claimant, or property already paid. The notice will explain how to appeal or submit corrected documentation.
• If the claim appears fraudulent or contested: The Treasury may hold the claim longer, open an investigation, or request sworn statements. That can extend processing beyond 90 days.
• Record updates: If payment is made, the State’s unclaimed property database will be updated to show the claim paid. If denied, the record will show a closed or denied claim with the reason noted in your claim history.

Typical timing and expectations

After the 90-day review: approved claims are often paid within several weeks of approval. If the Treasury issues a deficiency notice or denial, expect additional time while you respond. Complex or large-value claims and contested claims normally take longer.

What you should do immediately after the 90-day period

1. Check the claim status online in the Michigan Treasury unclaimed property portal (search or log in to your claim) and read any messages or deficiency notices.
2. If requested, provide required documents quickly: government ID, proof of address, account statements, estate documents, or powers of attorney.
3. If the claim is denied and you disagree, follow the administrative appeal steps in the denial notice. Keep copies of all correspondence.
4. For large or contested claims, consider consulting a Michigan attorney experienced with unclaimed property to discuss next steps, appeals, or litigation options.

Where to find official information and how Michigan law applies

Michigan’s Department of Treasury handles the actual claims process and posts procedures and forms on its website. For claimant guidance and the online claim portal, see the Treasury unclaimed property pages: Michigan Department of Treasury. For the statutory framework, see the Michigan Compiled Laws for the Uniform Unclaimed Property Act: MCL 567.1201 et seq..

Helpful Hints

• Keep your claim number and copies of everything you upload or mail. These speed up follow-up and any appeal.
• Common documents the Treasury requests: government-issued photo ID, proof of Social Security number or EIN, account or policy numbers, bank statements showing ownership, death certificate and letters of appointment for estate claims, or powers of attorney for representatives.
• Respond promptly to deficiency notices — delays often cause denials or longer processing times.
• If the property is being paid to an estate or business, make sure the person signing the claim has authority and can provide supporting documentation (e.g., letters of fiduciary appointment or corporate resolution).
• Watch for offset or lien notices: some states offset unclaimed property refunds against outstanding state debts (child support, taxes). Ask the Treasury whether a setoff applies to your payment.
• Payments may have tax consequences. Save documentation and consult a tax professional if the amount is significant.
• If you believe the denial was incorrect or the matter is contested, document your communications and consider asking for an administrative review or getting an attorney involved.

When to get an attorney

Consider legal help if:

• The amount involved is substantial.
• The Treasury has alleged fraud or contested ownership.
• You need help navigating probate, business authority, or out-of-state documentation.
• Your administrative appeal was denied and you are considering litigation.

For more information about claim forms, required documentation, and status checks, start at the Michigan Department of Treasury’s unclaimed property resources and the Michigan Compiled Laws linked above.

Again: this article is informational only and not legal advice. For advice specific to your situation, contact a licensed Michigan attorney.