Category Dormancy Period

Insurance proceeds typically sit for 3-5 years before escheatment, and states hold the money indefinitely until a beneficiary claims it.

Dormancy starts the clock on when money moves to the state, not on how long you have left to claim it back.

How long employers can hold an uncashed paycheck before state law requires sending it to unclaimed property.

DRIP reinvestment and direct deposit don't reset the dormancy clock on dividend accounts — only direct owner contact does.

After that period, the holder usually must try to reach the owner and, if unsuccessful, report and transfer the property to the state.

Learn how state-specific dormancy rules affect eligibility, paperwork, heir claims, and the deadlines that actually apply.

Compare September 2026 state changes, notice windows, dormancy periods, and the separate federal refund deadline.

See which August 2026 changes affect crypto, stored value, reporting dates, and the steps owners and holders should take.