How to Find Lost Pensions and Retirement Funds Around the World
如何在世界各地找到遺失的退休金和退休基金
More than AU$18.9 billion in lost superannuation sits unclaimed in Australia. The UK has £31.1 billion in lost pension pots. Nearly 30 million 401(k) accounts have been forgotten in the United States. For Hong Kong families with relatives who worked internationally, lost pension and retirement funds represent one of the most significant — and most commonly overlooked — categories of unclaimed assets. This guide covers seven major countries and territories, with exact search tools, government websites, and step-by-step procedures for finding and claiming lost retirement funds after a loved one's death.
超過189億澳元的遺失退休金在澳洲無人認領。英國有311億英鎊的遺失退休金。美國有近3,000萬個401(k)帳戶被遺忘。對於有親人在國際上工作過的香港家庭來說，遺失的退休金和退休基金是最重要——也是最常被忽略——的未領取資產類別之一。本指南涵蓋七個主要國家和地區，提供確切的搜索工具、政府網站和逐步程序，幫助您在親人去世後找到並領取遺失的退休基金。
Table of Contents
- The Global Scale of Lost Retirement Funds
- Why Pensions Get Lost
- Hong Kong: MPF (Mandatory Provident Fund)
- Australia: Lost Superannuation (AU$18.9 Billion+)
- United Kingdom: Lost Pensions (£31.1 Billion+)
- United States: Lost 401(k) and IRA Accounts
- Canada: RRSP and RPP
- Japan: Nenkin (National Pension)
- Singapore: CPF (Central Provident Fund)
- Common Reasons Pensions Get Lost
- Claiming Pension Benefits After Death
- Master Reference Table: All Countries
1. The Global Scale of Lost Retirement Funds
Lost pensions and retirement funds represent one of the largest categories of unclaimed assets worldwide. The numbers are staggering:
| Country | System | Estimated Lost/Unclaimed | Affected Accounts |
|---|---|---|---|
| Australia | Superannuation | AU$18.9 billion | 7.3 million accounts |
| United Kingdom | Workplace & State Pensions | £31.1 billion | 3.3 million pension pots |
| United States | 401(k), IRA, Pension Plans | US$100+ billion estimated | ~30 million forgotten 401(k)s |
| Canada | RRSP, RPP, CPP | Billions (no single aggregate) | Unknown — dispersed across provinces |
| Hong Kong | MPF | No published aggregate | Multiple accounts per worker common |
| Japan | National Pension (Nenkin) | 50.95 million unidentified records | Records from pre-digital era |
| Singapore | CPF | S$211 million unclaimed with PTO | Primarily un-nominated accounts |
For families in Hong Kong, these numbers are particularly relevant. Hong Kong is an international city where many residents have worked, studied, or lived in multiple countries over their lifetimes. A father who worked in Australia in the 1980s accumulated superannuation. A mother who worked in the UK as a nurse in the 1970s earned pension rights. A grandparent who emigrated from Japan may have pension entitlements through the national pension system. These benefits do not expire — they can be claimed by the estate or beneficiaries after death, often decades later.
2. Why Pensions Get Lost
Retirement funds become "lost" for many of the same reasons as other financial assets, but some causes are unique to pension systems:
Job Changes
The most common reason worldwide. Every time a worker changes jobs, they may leave behind a small pension pot with the former employer's scheme. Over a career spanning 8-12 employers, multiple small pots accumulate — and older ones are forgotten.
Emigration
This is especially relevant for Hong Kong families. When a person emigrates from one country to another, they often leave behind retirement fund accounts. An Australian who moves to Hong Kong may forget about their AUS super account. A Hong Kong resident who worked in the UK for a few years may not realise they have UK pension entitlements.
Company Closures and Mergers
When companies close, merge, or are acquired, their pension schemes may be transferred, wound up, or merged with other schemes. Tracking what happened to a pension from a company that closed 20 years ago requires detective work.
Name Changes
Women who changed their surname upon marriage may have pension entitlements under their maiden name. If the pension provider's records still use the maiden name, the pension may not appear in searches under the married name.
Outdated Contact Information
Pension providers send annual statements to the address on file. If the member moves without updating their details, communication breaks down. After several years of returned mail, the pension becomes classified as "lost" or "gone-away."
Lack of Awareness
Many people are simply unaware of their full pension entitlements. This is particularly true for:
- Short-term employment (even a few months can generate pension entitlements)
- Casual or part-time work (automatic enrolment still applies in many countries)
- Work performed decades ago (pension records from the 1970s-1990s may not be digitised)
3. Hong Kong: MPF (Mandatory Provident Fund)
Hong Kong's Mandatory Provident Fund (MPF) system, established in 2000, requires all employers and employees to contribute 5% each of the employee's relevant income (capped at HK$1,500 per month each) to an MPF scheme. Over a 25+ year career, these contributions — plus investment returns — can accumulate to a significant sum.
Why MPF Accounts Get Lost
The structure of the MPF system practically guarantees that many workers will have multiple accounts:
- Each employer enrols employees in their chosen MPF scheme and trustee
- When the employee leaves, their contributions become a "preserved account" with the original trustee
- Unless the employee actively consolidates, each job change creates a new account
- The average Hong Kong worker changes jobs 6-8 times, potentially creating 6-8 separate MPF accounts
How to Search: The MPFA Centralised Database
Contact the MPFA Directly
The Mandatory Provident Fund Schemes Authority maintains a centralised database of all MPF accounts. For deceased members, the personal representative (executor or administrator) should contact the MPFA:
- Hotline: +852 2918 0102
- Website: www.mpfa.org.hk
- In person: Visit the MPFA office with the deceased's HKID, death certificate, and Grant of Probate/Letters of Administration
The MPFA can provide a complete list of all MPF accounts held in the deceased's name, including the trustee name and contact number for each account.
Use the eMPF Platform
The eMPF Platform (www.empf.org.hk), launched in June 2024, centralises MPF administration. As schemes onboard throughout 2025-2026, more accounts become accessible through this single platform. For deceased members, the personal representative should contact eMPF to enquire about accounts on onboarded schemes.
Contact Each Trustee Individually
Once you have the list of trustees from the MPFA, contact each one to initiate the death benefit claim. Major MPF trustees include:
| MPF Trustee | Hotline |
|---|---|
| HSBC Provident Fund Trustee | +852 3128 0128 |
| Manulife (International) | +852 2108 1110 |
| Sun Life Trustee | +852 2103 8928 |
| AIA Company (Trustee) | +852 2100 1888 |
| BCT Group | +852 2298 9288 |
| BEA Trustees | +852 2211 1833 |
| BOC-Prudential Trustee | +852 2280 8686 |
| Principal Trust Company | +852 2827 1233 |
Required Documents for MPF Death Claims
4. Australia: Lost Superannuation (AU$18.9 Billion+)
Australia's superannuation system is the world's fourth-largest pool of retirement savings. It is also one of the most prone to generating "lost" accounts, due to the system's structure where every employer opens a new super account for each employee unless the employee nominates an existing fund.
The Scale of Lost Super
- AU$18.9 billion in lost and unclaimed super as of 30 June 2025
- 7.3 million accounts classified as lost or unclaimed
- Average lost super account balance: approximately AU$2,950
- Since 2022, the ATO has reunited about 3.1 million unclaimed super accounts worth almost AU$5.5 billion
How to Search for Lost Super
Use the ATO's Online Search (for Living Individuals)
If the person is still alive, the easiest way is to log into myGov (my.gov.au) and link to the Australian Taxation Office. The "Super" section shows all known superannuation accounts, including lost and ATO-held super.
For Deceased Persons: Contact the ATO Directly
For deceased estates, the executor or administrator should contact the ATO directly:
- Phone: 13 28 65 (from within Australia) or +61 2 6216 1111 (from overseas)
- Write to: Australian Taxation Office, PO Box 3100, Penrith NSW 2740
Provide the deceased's full name, date of birth, date of death, Tax File Number (TFN) if known, and the death certificate. The ATO will search their records for any super accounts — both fund-held and ATO-held.
Search ASIC's Unclaimed Money Register
Visit moneysmart.gov.au/find-unclaimed-money and search by name. This free service covers unclaimed money from banks, building societies, credit unions, life insurance companies, and registered companies.
Contact Known Super Funds Directly
If you know (or suspect) which super funds the deceased may have been a member of, contact each fund's death benefit claims department directly. Major Australian super funds include AustralianSuper, Aware Super (formerly First State Super), Rest, Sunsuper (now Australian Retirement Trust), UniSuper, HESTA, Cbus, and Hostplus.
Claiming Super Death Benefits from Australia
As an overseas executor or administrator, you can claim Australian super death benefits from Hong Kong. You will typically need:
- Certified copy of the death certificate (apostilled or notarised for international use)
- Certified copy of the Grant of Probate or Letters of Administration
- The deceased's Australian Tax File Number (if known) or other identifying information
- Completed death benefit claim form from each super fund
- Proof of identity of the claimant
Be aware that Australian super death benefits paid to non-dependants (which includes most estate claims) are subject to tax. The tax rate depends on the components of the super balance (taxed vs untaxed elements). Seek advice from an Australian tax professional or cross-border specialist.
5. United Kingdom: Lost Pensions (£31.1 Billion+)
The UK pension landscape is complex, with multiple types of pensions that can be "lost":
- State Pension: Based on National Insurance contributions. Cannot be "lost" per se, but may be unclaimed if the family does not know the person was entitled.
- Workplace Defined Benefit (DB) Pensions: Final salary or career average schemes from employers. These provide a guaranteed income in retirement.
- Workplace Defined Contribution (DC) Pensions: Money purchase schemes where contributions are invested. The pot belongs to the member.
- Personal Pensions: Individually arranged pensions with providers like Standard Life, Aviva, Legal & General, etc.
The Scale of Lost UK Pensions
- £31.1 billion in unclaimed, inactive, or lost pension pots
- Almost 3.3 million pension pots not currently claimed by their owners
- The value of lost pension pots has increased by 60% since 2018
- Average lost pension pot: £9,470 overall, rising to £13,620 for the 55-75 age cohort
How to Search: The Pension Tracing Service
The UK government provides a free Pension Tracing Service that is the essential first step:
Use the Pension Tracing Service
Visit gov.uk/find-pension-contact-details or call 0800 731 0193 (free from UK landlines). You can search by employer name or pension provider name. The service will return contact details for the pension scheme associated with that employer, allowing you to then contact the scheme directly.
This service is completely free and covers over 320,000 workplace and personal pension schemes.
Check the State Pension
If the deceased worked in the UK and paid National Insurance contributions, they may have built up State Pension entitlements. Contact the Pension Service:
- Phone: 0800 731 0469 (UK) or +44 191 218 7777 (from overseas)
- Write to: The Pension Service, Post Handling Site A, Wolverhampton WV98 1AF
Even a few years of UK employment (with National Insurance contributions) can generate a State Pension entitlement.
Contact Known Employers' Pension Schemes
If you know where the deceased worked in the UK, contact each employer's pension scheme directly. For large employers, dedicated pension scheme administrators handle enquiries. For smaller employers, the Pension Tracing Service can identify the scheme.
Check the Pension Protection Fund (PPF)
If the deceased's former employer went insolvent, their defined benefit pension may be protected by the Pension Protection Fund (www.ppf.co.uk). The PPF takes over pension schemes from insolvent employers and pays compensation to members.
The UK Pensions Dashboard (Coming 2026)
The UK government is rolling out Pensions Dashboards — an online service that will allow individuals to see all their UK pension entitlements in one place. Pension providers have been required to connect to the dashboard infrastructure by September 2025, with consumer access being phased in through 2026. Once fully operational, this will make finding lost pensions significantly easier.
6. United States: Lost 401(k) and IRA Accounts
The US retirement system — encompassing 401(k) plans, Individual Retirement Accounts (IRAs), traditional pension plans, and other arrangements — has a massive problem with lost and forgotten accounts.
The Scale of Lost US Retirement Funds
- A 2023 study found nearly 30 million forgotten 401(k) accounts in the US
- The Government Accountability Office (GAO) found that over 25 million participants left at least one account behind between 2004 and 2013
- An estimated US$100+ billion in retirement assets are sitting in forgotten or lost accounts
How to Search
DOL Retirement Savings Lost and Found
The Department of Labor launched the Retirement Savings Lost and Found database in December 2024 at lostandfound.dol.gov. This is the most comprehensive federal tool for finding lost retirement accounts. Enter the deceased's Social Security number to see a list of retirement plans linked to them, along with contact information for the plan administrators.
National Registry of Unclaimed Retirement Benefits
The National Registry at unclaimedretirementbenefits.com is a nationwide, secure database of retirement plan account balances that have been left unclaimed. Employers voluntarily register accounts of former employees who left money behind.
DOL Abandoned Plan Search
The Employee Benefits Security Administration (EBSA) maintains the Abandoned Plan Program at askebsa.dol.gov/abandonedplansearch. This database helps locate benefits from retirement plans that were abandoned by their sponsors (i.e., employers that closed without properly distributing retirement assets).
PBGC (Pension Benefit Guaranty Corporation)
For traditional defined benefit pension plans, the PBGC (www.pbgc.gov) guarantees benefits when pension plans are terminated. Search their unclaimed pensions database if the deceased's former employer had a traditional pension plan that was terminated.
State Unclaimed Property Databases
If a retirement plan administrator cannot locate a participant, the funds may eventually be turned over to the state as unclaimed property. Search at missingmoney.com and individual state databases.
Contact Former Employers Directly
If you know (or can determine) where the deceased worked in the US, contact those employers' HR departments and ask about any retirement plan accounts. Even if the employer has changed hands, the successor company inherits the retirement plan obligations.
7. Canada: RRSP and RPP
Canada's retirement savings system includes several types of accounts that can become "lost":
- RRSP (Registered Retirement Savings Plan): Individual retirement savings accounts with tax-deferred contributions
- RPP (Registered Pension Plan): Employer-sponsored pension plans
- LIRA/LRSP (Locked-In Retirement Account / Locked-In Retirement Savings Plan): Accounts holding transferred pension benefits
- CPP (Canada Pension Plan): Government pension based on employment contributions
How to Search
CRA My Account
The Canada Revenue Agency's My Account service (www.canada.ca/my-cra-account) maintains records of RRSP contributions going back up to 25 years. For deceased persons, the executor can access this information by contacting the CRA directly:
- Phone: 1-800-959-8281 (from Canada) or +1 613-940-8495 (from overseas)
The CRA has records of all RRSP contribution receipts because financial institutions are required to report them. Even if the person lost track of their RRSP, the CRA has a record.
Contact Financial Institutions
RRSPs are held at banks, credit unions, insurance companies, and investment firms. Contact each institution where the deceased may have held accounts, using their Social Insurance Number (SIN) for identification.
Provincial Pension Regulators
For employer RPP (Registered Pension Plans), contact the pension regulator in the province where the deceased worked. Each province has its own regulator:
- Ontario: Financial Services Regulatory Authority of Ontario (FSRA)
- British Columbia: BC Financial Services Authority
- Alberta: Alberta Treasury Board and Finance
- Quebec: Retraite Québec
Bank of Canada Unclaimed Balances
If a bank account (including one holding an RRSP) has been dormant for 10 years, the balance is transferred to the Bank of Canada. Search at ucbswww.bank-banque-canada.ca for unclaimed balances.
CPP Death Benefit and Survivor's Pension
If the deceased made Canada Pension Plan (CPP) contributions, the estate may be entitled to a lump-sum death benefit (up to CA$2,500) and surviving family members may be entitled to a monthly survivor's pension. Apply through Service Canada.
9. Singapore: CPF (Central Provident Fund)
Singapore's Central Provident Fund is a comprehensive social security system covering retirement, healthcare, and housing. CPF balances can be significant, and the system has a specific process for what happens when a member dies.
What Happens to CPF on Death
When a CPF member dies, their CPF savings are distributed according to their CPF nomination:
- If a valid CPF nomination exists: The savings are distributed directly to the nominees according to the percentages specified in the nomination. This can be done quickly (typically within 4 weeks).
- If no CPF nomination exists: The savings are transferred to the Public Trustee's Office (PTO) for distribution according to intestacy laws. This takes longer (up to 6 months) and incurs an administrative fee.
Scale of Unclaimed CPF
Over a six-year period, CPF monies left unclaimed with the Public Trustee's Office reached a total of S$211 million. The bulk of these unclaimed monies belonged to deceased members who did not make a CPF nomination. The PTO makes repeated attempts to contact next-of-kin, but in many cases the family members are uncontactable.
How to Claim
Contact the CPF Board
Notify the CPF Board of the member's death:
- Website: www.cpf.gov.sg
- Phone: 1800-227-1188 (from Singapore) or +65 6227 1188 (from overseas)
If There Is a CPF Nomination
Nominees can apply to withdraw the CPF savings by submitting the required documents (death certificate, nominee's ID, and the completed withdrawal form) to the CPF Board. The savings will be paid to nominees as specified.
If There Is No CPF Nomination
The CPF Board will transfer the savings to the Public Trustee's Office (pto.mlaw.gov.sg). The next-of-kin should contact the PTO to claim the monies. Required documents include:
- Certified true copy of the death certificate
- Certified true copies of the marriage certificate (for spouse)
- Certified true copies of birth certificates (for children)
- ID documents of the claimant(s)
10. Common Reasons Pensions Get Lost
Understanding these patterns can help you identify where to search:
Frequent Job Changes
Each job change in a country with compulsory pension contributions creates a new pension account. Over a 30-year career with 8+ employers, people can accumulate numerous small pension pots that they lose track of.
Emigration Between Countries
When people emigrate, they often leave behind pension entitlements. A Hong Kong resident who worked in Australia for 5 years, the UK for 3 years, and then returned to Hong Kong might have forgotten pension benefits in both countries.
Company Closures & Mergers
When companies close or merge, their pension schemes are transferred or wound up. Tracking the successor scheme — especially for companies that closed decades ago — requires research through pension regulators and company registries.
Outdated Contact Details
After multiple address changes, pension providers lose contact with members. Annual statements go to old addresses, and eventually the member is classified as "gone-away." The pension still exists — it just cannot find its owner.
Check Employment History
The most effective search strategy is to reconstruct the deceased's full employment history — every job, in every country, no matter how brief — and then search for pension accounts from each employer.
Use Free Government Tools
Most countries now offer free online tools for searching lost pensions (ATO myGov, UK Pension Tracing Service, DOL Lost and Found). These should always be the first step.
Check Tax Returns
Tax returns often reveal pension contributions or pension income that the family did not know about. Review tax filings from all countries where the deceased lived or worked.
Get Professional Help for Cross-Border Claims
Claiming pensions across borders involves different legal systems, tax treaties, documentation requirements, and currencies. Professional help can save time and ensure claims are handled correctly.
11. Claiming Pension Benefits After Death
When a person dies with pension entitlements, several types of benefits may be payable:
Types of Death Benefits from Pension Schemes
- Lump-sum death benefit: A one-time payment of the accumulated pension pot to the estate or nominated beneficiary. Common in defined contribution schemes (like MPF, 401(k), Australian super).
- Survivor's pension: An ongoing pension paid to the surviving spouse or dependent children. Common in defined benefit schemes and government pensions.
- Return of contributions: If the member died before reaching pension age or before pension payments began, the scheme may return all contributions with interest.
- Guaranteed period payments: If the member had started receiving a pension with a guaranteed payment period (e.g., 5 years guaranteed), and died within that period, the remaining payments go to the estate.
- Life insurance within the pension: Many pension schemes (especially Australian super) include default life insurance that pays a separate death benefit.
General Documents Required
12. Master Reference Table: All Countries
Use this quick-reference table to identify the right search tools for each country:
| Country | Pension System | Free Search Tool | Phone (from overseas) |
|---|---|---|---|
| Hong Kong | MPF | MPFA ePA / eMPF Platform | +852 2918 0102 |
| Australia | Superannuation | myGov / ATO / moneysmart.gov.au | +61 2 6216 1111 |
| United Kingdom | Workplace & State Pension | gov.uk/find-pension-contact-details | +44 191 218 7777 |
| United States | 401(k), IRA, Pension | lostandfound.dol.gov / unclaimedretirementbenefits.com | +1 866-444-3272 (EBSA) |
| Canada | RRSP, RPP, CPP | CRA My Account / Bank of Canada | +1 613-940-8495 |
| Japan | Nenkin (National & Employee) | nenkin.go.jp / Nenkin Net | +81 3-6700-1165 |
| Singapore | CPF | cpf.gov.sg / pto.mlaw.gov.sg | +65 6227 1188 |
At AssetCadet, we specialise in cross-border pension and retirement fund recovery for Hong Kong families. Our team has established relationships with pension authorities and professional contacts in all seven jurisdictions covered in this guide. If your relative worked internationally, we can conduct a comprehensive search across all relevant countries — handling the documentation, communication, and claims process on your behalf.
目錄
1. 遺失退休基金的全球規模
遺失的退休金和退休基金代表了全球最大的未領取資產類別之一。數據令人震驚：
| 國家 | 制度 | 估計遺失/未領取金額 | 受影響帳戶 |
|---|---|---|---|
| 澳洲 | 退休金（Superannuation） | 189億澳元 | 730萬個帳戶 |
| 英國 | 職場及國家退休金 | 311億英鎊 | 330萬個退休金帳戶 |
| 美國 | 401(k)、IRA、退休計劃 | 估計超過1,000億美元 | 約3,000萬個被遺忘的401(k) |
| 加拿大 | RRSP、RPP、CPP | 數十億（無單一匯總數據） | 未知——分散在各省 |
| 香港 | 強積金（MPF） | 無公開匯總數據 | 每位工作者普遍持有多個帳戶 |
| 日本 | 國民年金 | 5,095萬筆未識別記錄 | 來自數碼化前時代的記錄 |
| 新加坡 | 中央公積金（CPF） | 2.11億新加坡元未領取（PTO持有） | 主要為未指定提名人的帳戶 |
對於香港家庭來說，這些數據特別相關。香港是一個國際城市，許多居民一生中曾在多個國家工作、學習或生活。一位1980年代在澳洲工作的父親累積了退休金。一位1970年代在英國當護士的母親獲得了退休金權利。一位從日本移民來的祖父母可能通過國民年金制度擁有退休金權利。這些福利不會過期——它們可以在死亡後由遺產或受益人領取，通常在數十年後仍然有效。
2. 退休金為何會遺失
退休基金「遺失」的原因與其他金融資產相似，但一些原因是退休金制度特有的：
換工作
全球最常見的原因。每次工人換工作時，他們可能會在前僱主的計劃中留下一小筆退休金。在跨越8-12個僱主的職業生涯中，多個小額退休金帳戶會累積起來——而較舊的帳戶就被遺忘了。
移民
這對香港家庭尤其相關。當一個人從一個國家移民到另一個國家時，他們通常會留下退休基金帳戶。一位搬到香港的澳洲人可能忘記了他們的澳洲退休金帳戶。一位在英國工作了幾年的香港居民可能不知道自己有英國退休金權利。
公司關閉和合併
當公司關閉、合併或被收購時，他們的退休金計劃可能會被轉移、結束或與其他計劃合併。追蹤20年前關閉的公司的退休金去向需要偵查工作。
姓名變更
婚後改姓的女性可能以其婚前姓氏擁有退休金權利。如果退休金提供者的記錄仍然使用婚前姓名，該退休金在以婚後姓名搜索時可能不會出現。
過時的聯繫信息
退休金提供者將年度報表發送到檔案中的地址。如果成員搬遷而未更新詳細信息，通信就會中斷。在多年退回郵件後，退休金被歸類為「遺失」或「去向不明」。
缺乏了解
許多人完全不了解自己的全部退休金權利。這對以下情況尤為真實：
- 短期就業（即使只有幾個月也可以產生退休金權利）
- 臨時或兼職工作（許多國家仍適用自動登記）
- 數十年前的工作（1970至1990年代的退休金記錄可能未被數碼化）
3. 香港：強制性公積金（MPF）
香港的強制性公積金（MPF）制度於2000年設立，要求所有僱主和僱員各自將僱員相關收入的5%（每月最高各港幣1,500元）供款到強積金計劃。在超過25年的職業生涯中，這些供款——加上投資回報——可以累積成一筆可觀的金額。
強積金帳戶為何會遺失
強積金制度的結構幾乎保證了許多工人會擁有多個帳戶：
- 每個僱主將員工登記在其選擇的強積金計劃和受託人中
- 當員工離職時，他們的供款成為原受託人的「保留帳戶」
- 除非員工主動合併，每次換工作都會創建一個新帳戶
- 香港工人平均換工作6-8次，可能創建6-8個獨立的強積金帳戶
如何搜索：積金局中央數據庫
直接聯繫積金局
強制性公積金計劃管理局維護所有強積金帳戶的中央數據庫。對於已故成員，個人代表（遺囑執行人或遺產管理人）應聯繫積金局：
- 熱線：+852 2918 0102
- 網站：www.mpfa.org.hk
- 親自前往：攜帶已故者的身份證、死亡證明書和遺產承辦書/遺產管理書前往積金局辦公室
積金局可以提供已故者名下所有強積金帳戶的完整清單，包括每個帳戶的受託人名稱和聯繫電話。
使用積金易平台
積金易平台（www.empf.org.hk），於2024年6月推出，集中了強積金管理。隨著計劃在2025-2026年陸續登入，更多帳戶可通過這個單一平台訪問。對於已故成員，個人代表應聯繫積金易以查詢已登入計劃的帳戶。
逐一聯繫每個受託人
一旦您從積金局獲得受託人清單，就聯繫每個受託人以啟動身故賠償索償。主要的強積金受託人包括：
| 強積金受託人 | 熱線 |
|---|---|
| 滙豐強積金受託人 | +852 3128 0128 |
| 宏利（國際） | +852 2108 1110 |
| 永明信託 | +852 2103 8928 |
| 友邦信託 | +852 2100 1888 |
| BCT銀聯集團 | +852 2298 9288 |
| 東亞信託 | +852 2211 1833 |
| 中銀保誠信託 | +852 2280 8686 |
| 信安信託 | +852 2827 1233 |
強積金身故索償所需文件
4. 澳洲：遺失退休金（超過189億澳元）
澳洲的退休金制度是世界第四大退休儲蓄池。由於該制度的結構——每個僱主為每位員工開設新的退休金帳戶（除非員工指定現有基金）——它也是最容易產生「遺失」帳戶的制度之一。
遺失退休金的規模
- 截至2025年6月30日，189億澳元的遺失和未領取退休金
- 730萬個帳戶被歸類為遺失或未領取
- 平均遺失退休金帳戶餘額：約2,950澳元
- 自2022年以來，ATO已幫助約310萬個未領取退休金帳戶回歸或支付，價值近55億澳元
如何搜索遺失退休金
使用ATO的在線搜索（適用於在世人士）
如果該人仍在世，最簡單的方法是登錄 myGov（my.gov.au）並鏈接到澳洲稅務局。「Super」部分顯示所有已知的退休金帳戶，包括遺失和ATO持有的退休金。
對於已故者：直接聯繫ATO
對於已故遺產，遺囑執行人或遺產管理人應直接聯繫ATO：
- 電話：13 28 65（澳洲境內）或 +61 2 6216 1111（海外）
- 郵寄：Australian Taxation Office, PO Box 3100, Penrith NSW 2740
提供已故者的全名、出生日期、死亡日期、稅號（TFN，如果知道的話）和死亡證明書。ATO將搜索其記錄中的任何退休金帳戶——包括基金持有的和ATO持有的。
搜索ASIC的無人認領資金登記冊
訪問 moneysmart.gov.au/find-unclaimed-money 並按姓名搜索。此免費服務涵蓋來自銀行、建築協會、信用合作社、人壽保險公司和註冊公司的無人認領資金。
直接聯繫已知的退休金基金
如果您知道（或懷疑）已故者可能是哪些退休金基金的成員，請直接聯繫每個基金的身故賠償索償部門。澳洲主要退休金基金包括AustralianSuper、Aware Super（前稱First State Super）、Rest、Sunsuper（現為Australian Retirement Trust）、UniSuper、HESTA、Cbus和Hostplus。
從澳洲領取退休金身故賠償
作為海外遺囑執行人或遺產管理人，您可以從香港申索澳洲退休金身故賠償。您通常需要：
- 死亡證明書的認證副本（經過認證或公證以供國際使用）
- 遺產承辦書或遺產管理書的認證副本
- 已故者的澳洲稅號（如果知道的話）或其他身份識別信息
- 每個退休金基金的填妥身故賠償索償表格
- 索償人的身份證明
請注意，支付給非受養人（包括大多數遺產索償）的澳洲退休金身故賠償需繳稅。稅率取決於退休金餘額的組成部分（已稅與未稅元素）。請諮詢澳洲稅務專業人士或跨境專家。
5. 英國：遺失退休金（超過311億英鎊）
英國的退休金版圖複雜，有多種類型的退休金可能被「遺失」：
- 國家退休金：基於國民保險供款。本身不能被「遺失」，但如果家人不知道該人有權獲得，可能不會被認領。
- 職場確定給付（DB）退休金：來自僱主的最終薪資或職業平均計劃。這些提供退休後的保障收入。
- 職場確定供款（DC）退休金：供款被投資的貨幣購買計劃。帳戶屬於成員。
- 個人退休金：與Standard Life、Aviva、Legal & General等供應商個別安排的退休金。
英國遺失退休金的規模
- 311億英鎊未領取、不活躍或遺失的退休金
- 近330萬個退休金帳戶目前未被其所有者認領
- 遺失退休金帳戶的價值自2018年以來增加了60%
- 平均遺失退休金帳戶：整體9,470英鎊，55-75歲年齡段高達13,620英鎊
如何搜索：退休金追蹤服務
英國政府提供免費的退休金追蹤服務，這是必不可少的第一步：
使用退休金追蹤服務
訪問 gov.uk/find-pension-contact-details 或致電 0800 731 0193（英國固定電話免費）。您可以按僱主名稱或退休金提供者名稱搜索。該服務將返回與該僱主相關的退休金計劃的聯繫方式，讓您隨後直接聯繫該計劃。
此服務完全免費，涵蓋超過320,000個職場和個人退休金計劃。
查看國家退休金
如果已故者在英國工作並繳納了國民保險供款，他們可能已經建立了國家退休金權利。聯繫退休金服務處：
- 電話：0800 731 0469（英國）或 +44 191 218 7777（海外）
- 郵寄：The Pension Service, Post Handling Site A, Wolverhampton WV98 1AF
即使只有幾年的英國就業（有國民保險供款）也可以產生國家退休金權利。
聯繫已知僱主的退休金計劃
如果您知道已故者在英國哪裡工作，請直接聯繫每個僱主的退休金計劃。對於大型僱主，專門的退休金計劃管理人處理查詢。對於較小的僱主，退休金追蹤服務可以識別該計劃。
查看退休金保護基金（PPF）
如果已故者的前僱主破產，其確定給付退休金可能受到退休金保護基金（www.ppf.co.uk）的保障。PPF接管破產僱主的退休金計劃並向成員支付補償。
英國退休金儀表板（2026年推出）
英國政府正在推出退休金儀表板——一項在線服務，將允許個人在一個地方查看所有英國退休金權利。退休金提供者已被要求在2025年9月前連接到儀表板基礎設施，消費者訪問正在2026年分階段推出。全面運營後，這將大大簡化遺失退休金的查找。
6. 美國：遺失的401(k)和IRA帳戶
美國的退休制度——包括401(k)計劃、個人退休帳戶（IRA）、傳統退休金計劃和其他安排——面臨大量遺失和被遺忘帳戶的嚴重問題。
美國遺失退休基金的規模
- 2023年的一項研究發現美國有近3,000萬個被遺忘的401(k)帳戶
- 政府問責辦公室（GAO）發現2004年至2013年間超過2,500萬名參與者至少留下了一個帳戶
- 估計超過1,000億美元的退休資產存放在被遺忘或遺失的帳戶中
如何搜索
美國勞工部退休儲蓄失物招領處
勞工部於2024年12月在 lostandfound.dol.gov 推出了退休儲蓄失物招領數據庫。這是查找遺失退休帳戶最全面的聯邦工具。輸入已故者的社會安全號碼，可以看到與他們相關的退休計劃清單以及計劃管理人的聯繫信息。
無人認領退休福利全國登記冊
全國登記冊（unclaimedretirementbenefits.com）是一個全國性的安全數據庫，記錄已被遺棄的退休計劃帳戶餘額。僱主自願登記離開的前員工留下的帳戶。
美國勞工部廢棄計劃搜索
員工福利安全管理局（EBSA）在 askebsa.dol.gov/abandonedplansearch 維護廢棄計劃項目。此數據庫幫助查找被其發起人遺棄的退休計劃的福利（即未正確分配退休資產就關閉的僱主）。
PBGC（退休金福利保障公司）
對於傳統的確定給付退休金計劃，PBGC（www.pbgc.gov）在退休金計劃終止時保障福利。如果已故者的前僱主有已終止的傳統退休金計劃，請搜索他們的未領取退休金數據庫。
州無人認領財產數據庫
如果退休計劃管理人無法找到參與者，資金最終可能作為無人認領財產轉交給州政府。在 missingmoney.com 和各州數據庫中搜索。
直接聯繫前僱主
如果您知道（或可以確定）已故者在美國哪裡工作，請聯繫這些僱主的人力資源部門，詢問任何退休計劃帳戶。即使僱主已經易手，繼承公司也繼承退休計劃義務。
7. 加拿大：RRSP和RPP
加拿大的退休儲蓄制度包括幾種可能變為「遺失」的帳戶類型：
- RRSP（註冊退休儲蓄計劃）：個人退休儲蓄帳戶，供款享受稅務遞延
- RPP（註冊退休金計劃）：僱主贊助的退休金計劃
- LIRA/LRSP（鎖定退休帳戶）：持有轉移退休金福利的帳戶
- CPP（加拿大退休金計劃）：基於就業供款的政府退休金
如何搜索
CRA我的帳戶
加拿大稅務局（CRA）的我的帳戶服務（www.canada.ca/my-cra-account）保存長達25年的RRSP供款記錄。對於已故者，遺囑執行人可以通過直接聯繫CRA獲取此信息：
- 電話：1-800-959-8281（加拿大境內）或 +1 613-940-8495（海外）
CRA擁有所有RRSP供款收據的記錄，因為金融機構有義務報告。即使該人失去了對其RRSP的追蹤，CRA也有記錄。
聯繫金融機構
RRSP在銀行、信用合作社、保險公司和投資公司持有。使用已故者的社會保險號碼（SIN）進行身份識別，聯繫每家可能持有帳戶的機構。
省級退休金監管機構
對於僱主RPP（註冊退休金計劃），聯繫已故者工作所在省份的退休金監管機構。每個省都有自己的監管機構。
加拿大銀行無人認領餘額
如果銀行帳戶（包括持有RRSP的帳戶）已休眠10年，餘額將轉移到加拿大銀行。在 ucbswww.bank-banque-canada.ca 搜索無人認領餘額。
CPP身故福利和遺屬退休金
如果已故者繳納了加拿大退休金計劃（CPP）供款，遺產可能有權獲得一次性身故福利（最高2,500加元），倖存家庭成員可能有權獲得每月遺屬退休金。通過Service Canada申請。
9. 新加坡：CPF（中央公積金）
新加坡的中央公積金是一個涵蓋退休、醫療和住房的綜合社會保障制度。CPF餘額可能相當可觀，該制度對成員去世後的處理有具體程序。
CPF成員去世後會發生什麼
當CPF成員去世時，其CPF儲蓄根據其CPF提名進行分配：
- 如果存在有效的CPF提名：儲蓄根據提名中指定的百分比直接分配給被提名人。這可以快速完成（通常在4週內）。
- 如果沒有CPF提名：儲蓄轉移到公共受託人辦公室（PTO）根據無遺囑繼承法進行分配。這需要更長時間（最多6個月）並收取行政費用。
未領取CPF的規模
在六年期間，遺留在公共受託人辦公室的未領取CPF金額累計達到2.11億新加坡元。這些未領取金額的大部分屬於未進行CPF提名就去世的成員。PTO反覆嘗試聯繫下一親屬，但在許多情況下，家庭成員無法聯繫上。
如何申領
聯繫CPF局
通知CPF局成員的死亡：
- 網站：www.cpf.gov.sg
- 電話：1800-227-1188（新加坡境內）或 +65 6227 1188（海外）
如果有CPF提名
被提名人可以通過向CPF局提交所需文件（死亡證明書、被提名人的身份證和填妥的提取表格）來申請提取CPF儲蓄。儲蓄將按指定方式支付給被提名人。
如果沒有CPF提名
CPF局將把儲蓄轉移到公共受託人辦公室（pto.mlaw.gov.sg）。下一親屬應聯繫PTO申領金額。所需文件包括：
- 死亡證明書的核證副本
- 結婚證書的核證副本（配偶）
- 出生證明書的核證副本（子女）
- 申領人的身份證明文件
10. 退休金遺失的常見原因
了解這些模式可以幫助您確定在哪裡搜索：
頻繁換工作
在有強制退休金供款的國家中，每次換工作都會創建一個新的退休金帳戶。在跨越8個以上僱主的30年職業生涯中，人們可以累積大量小額退休金帳戶並失去追蹤。
國家間移民
當人們移民時，他們通常會留下退休金權利。一位在澳洲工作了5年、在英國工作了3年然後返回香港的香港居民可能忘記了兩個國家的退休金福利。
公司關閉與合併
當公司關閉或合併時，他們的退休金計劃被轉移或結束。追蹤數十年前關閉的公司的繼承計劃——需要通過退休金監管機構和公司註冊處進行調查。
過時的聯繫方式
在多次地址變更後，退休金提供者失去了與成員的聯繫。年度報表發送到舊地址，最終成員被歸類為「去向不明」。退休金仍然存在——只是找不到它的所有者。
查看就業歷史
最有效的搜索策略是重建已故者的完整就業歷史——每份工作，在每個國家，無論多短——然後搜索每個僱主的退休金帳戶。
使用免費政府工具
大多數國家現在提供免費的在線工具搜索遺失退休金（ATO myGov、英國退休金追蹤服務、DOL失物招領處）。這些應該始終是第一步。
查看報稅表
報稅表通常會顯示家人不知道的退休金供款或退休金收入。查閱已故者居住或工作過的所有國家的稅務申報。
跨境索償尋求專業幫助
跨境領取退休金涉及不同的法律體系、稅務協議、文件要求和貨幣。專業幫助可以節省時間並確保索償得到正確處理。
11. 在死亡後領取退休金福利
當一個人去世時擁有退休金權利，可能有幾種類型的福利可以支付：
退休金計劃的身故福利類型
- 一次性身故賠償：將累積的退休金帳戶一次性支付給遺產或指定受益人。在確定供款計劃（如強積金、401(k)、澳洲退休金）中常見。
- 遺屬退休金：支付給倖存配偶或受養子女的持續退休金。在確定給付計劃和政府退休金中常見。
- 供款退還：如果成員在達到退休金年齡之前或退休金支付開始之前去世，計劃可能會退還所有供款加利息。
- 保證期付款：如果成員已開始領取帶有保證支付期（例如保證5年）的退休金，並在該期間內去世，剩餘的付款將歸遺產所有。
- 退休金內的人壽保險：許多退休金計劃（特別是澳洲退休金）包含默認的人壽保險，支付單獨的身故賠償。
一般所需文件
12. 總參考表：所有國家
使用此快速參考表確定每個國家的正確搜索工具：
| 國家 | 退休金制度 | 免費搜索工具 | 電話（海外撥打） |
|---|---|---|---|
| 香港 | 強積金（MPF） | 積金局 ePA / 積金易平台 | +852 2918 0102 |
| 澳洲 | 退休金（Superannuation） | myGov / ATO / moneysmart.gov.au | +61 2 6216 1111 |
| 英國 | 職場及國家退休金 | gov.uk/find-pension-contact-details | +44 191 218 7777 |
| 美國 | 401(k)、IRA、退休金 | lostandfound.dol.gov / unclaimedretirementbenefits.com | +1 866-444-3272（EBSA） |
| 加拿大 | RRSP、RPP、CPP | CRA我的帳戶 / 加拿大銀行 | +1 613-940-8495 |
| 日本 | 年金（國民與僱員） | nenkin.go.jp / 年金Net | +81 3-6700-1165 |
| 新加坡 | 中央公積金（CPF） | cpf.gov.sg / pto.mlaw.gov.sg | +65 6227 1188 |
在AssetCadet，我們專門為香港家庭進行跨境退休金和退休基金回收。我們的團隊與本指南涵蓋的所有七個司法管轄區的退休金機構和專業聯繫人建立了關係。如果您的親人曾在國際上工作，我們可以在所有相關國家進行全面搜索——代您處理文件、通信和索償程序。
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