Detailed Answer
When a person dies, certain assets—like bank accounts, uncashed checks, insurance proceeds or safe deposit box contents—may go unclaimed. Under Maine law, holders of these assets must report and transfer them to the State Treasurer’s Office if they remain inactive for a specified dormancy period. Heirs can search for and reclaim these assets by following Maine’s unclaimed property process.
- Identify Potential Unclaimed Property. Review the decedent’s records for old bank statements, utility refunds, life insurance policies, uncashed dividends or safe deposit boxes. Compare account numbers and balances against recent statements.
- Search the Maine Unclaimed Property Database. Visit the official site at maineunclaimedproperty.gov. Enter the decedent’s name and any known variations. The system is free and updated regularly.
- Gather Required Documents. You will typically need:
- Certified death certificate
- Proof of your status as an heir (will, letters testamentary or small estate affidavit)
- Your government-issued photo ID
- Completed claim form from the Treasurer’s website
- File a Claim. Download and complete the Unclaimed Property Claim Form on the Treasurer’s website. Sign and submit the form with your supporting documents by mail or, if available, via the online portal.
- Await Processing and Distribution. The Treasurer’s Office reviews your claim, which may take several weeks to months depending on complexity and volume. Once approved, the state issues payment by check or electronic deposit.
Under Maine law, unclaimed property falls under Title 33 M.R.S.A. Chapter 11 (33 M.R.S.A. ch. 11).
If the decedent’s estate never entered formal probate, Maine’s small-estate process may apply. Heirs can use a small estate affidavit under Title 18-A M.R.S.A. §2-805 (18-A M.R.S.A. §2-805) to claim property valued under the statutory threshold.
Disclaimer: This article is for educational purposes only and does not constitute legal advice. For advice tailored to your situation, consult a qualified attorney in Maine.
Helpful Hints
- Keep copies of every form and supporting document you submit.
- Search the unclaimed property database under all name variations.
- Check the database periodically—new property is reported annually.
- Coordinate with co-heirs to avoid duplicate claims.
- Beware of scams: Maine unclaimed property services are free and offered only by the State Treasurer’s Office.