On the record

Verbatim: "Sporocamo vam, da taksne javno dostopne evidence ne vodimo. Tovrstne primere obravnavamo posamezno in zaradi varstva osebnih podatkov v konkretnih primerih niso objavljeni"Our English renderingwe do not maintain such publicly accessible records; such cases are handled individually and, for personal data protection reasons, are not published in specific instances.

1. How can a person living abroad contact HZMO in writing?A person living abroad can contact the Croatian Pension Insurance Institute in writing by post, by e-mail, or by using the "Postavite pitanje" (ask a question) web form available on the HZMO website. A written submission can be sent to the HZMO central office or to the competent regional organisational unit of HZMO (contacts are on the website), depending on the type of enquiry or procedure.
2. How can a person prove identity without a national electronic identification?Not having an electronic identification credential is no obstacle to contacting HZMO or to filing a claim in writing. The claimant's identity is established on the basis of an appropriate identity document and the other data and documentation needed to conduct the specific procedure. If the procedure requires further confirmation of the claimant's identity, HZMO may request the appropriate document or additional documentation. In cross-border procedures within the European Union, the necessary data and documentation are exchanged officially between the competent institutions of the member states in accordance with the EU rules on the coordination of social security systems.
3. Can a claim be completed without the person being physically present in Croatia?Yes. Physical presence in the Republic of Croatia is as a rule not required to file a claim or to conduct the procedure for exercising pension insurance rights. A person who is resident or staying in another EU member state files the claim for a pension through the competent pension insurance institution of the state of residence, after which the competent institutions exchange the data and documentation needed to conduct the procedure. If additional data or documentation must be provided during the procedure, HZMO requests it in writing from the claimant or through the competent foreign institution.
4. What is the procedure for heirs if an insured person or pensioner died abroad?The right to a pension ends with the death of the pension beneficiary; monetary entitlements from pension insurance that fell due before the beneficiary's death and were not paid out to them can be the subject of inheritance. Heirs can request payment of the due and unpaid amounts on the basis of a final decision on inheritance or a European Certificate of Succession, providing the data and documentation needed for the payment. If family members of the deceased insured person or pension beneficiary meet the conditions prescribed by law, they can separately file a claim for a survivor's (family) pension. The right to a family pension is not inherited; it is a separate right under pension insurance.
5. Is there a register through which a person can discover a possibly "forgotten" entitlement?There is no single register in the Republic of Croatia through which a person could check whether a pension insurance right exists that they have not exercised or for which they have not filed a claim. The Croatian Pension Insurance Institute keeps the master records (maticna evidencija) of insured persons, contribution payers and beneficiaries of pension insurance rights. A person can request the data recorded about them in the HZMO master records and contact the Institute for information on the possibilities of exercising particular pension insurance rights.

The Croatian Pension Insurance Institute agrees to the publication of the above information, with the Croatian Pension Insurance Institute named as the source and the date of the reply stated.

Source: Hrvatski zavod za mirovinsko osiguranje, written reply of 4 September 2026. English is our translation; the Croatian original is on file.

"Foreigners who worked in Singapore before 1987 may have contributed to the Central Provident Fund (CPF), Singapore's national social security savings scheme. These foreigners' CPF accounts were closed in April 2024 and have since stopped earning CPF interest. We encourage affected foreigners to withdraw their CPF savings as soon as possible."

The official route cited by the Board is cpf.gov.sg/AccountClosure.

The Department refused the data request under the Section 12 cost limit, and confirmed two things in writing. On data about Pension Tracing Service enquiries from people resident outside the UK:

"The Department does not have a business requirement to maintain this level of data as part of its routine management information pack"

"DWP does not hold any guidance specifically relating to handling enquiries from people outside the United Kingdom."

As at 30 June 2025 the ATO held just over 1 million unclaimed accounts worth almost A$1.1 billion for former temporary residents alone. Australian citizens and former permanent residents living overseas are not in that number, so the true figure is higher.

1. A person residing abroad without an NSSI personal identification code or a qualified electronic signature may personally submit a written request for a certificate of their insurance periods, and it may be sent by post to an address abroad. Requests without proper identification of the applicant cannot be accepted, and the certificate cannot be sent by ordinary email.
2. The request may also be made through an authorised representative on the basis of a notarised power of attorney. Where notarised by a foreign notary it should carry an Apostille, and a Bulgarian translation is advisable.
3. The NSSI does not issue certificates of Bulgarian insurance periods as general proof of insurance history for foreign institutions. The Insurance Archive certificates concern insurance periods with terminated insurers that have no legal successor and that have transferred their payroll records to the NSSI. Where periods must be certified before an institution in another state, the information is exchanged officially between the competent institutions.

A pension prognosis is sent automatically to entitled persons. If it was never received it can be requested electronically. After providing name, surname, birth number and email, the record is delivered by email. No national electronic identity and no notarisation are required. On the same identity request they also disclose which second pillar company holds the account. The insurance period extract from the electronic insured person account is sent by post to a stated address.

Four submission routes, including email accompanied by a qualified electronic signature, and registered post with a copy of an identity document certified under the law of the country it is sent from. Verbatim: "Sodra gali suteikti asmeniui informacija kokioje pensiju kaupimo bendroveje kaupia"Our English renderingSodra can tell a person which pension accumulation company holds their savings.

The insurance data extract can be requested in writing, by email or post, and English is accepted. It is sent out by post only, for data protection reasons. PVA holds no record of which occupational provision fund holds a member's Abfertigung Neu; that runs through former employers and the funds themselves.

For insurance periods and pension applications the person applies to the competent pension agency in their country of residence, which forwards the request to e-EFKA through EESSI. Full identification with a photocopy, and the AMKA or fund insurance number, are required.

Verbatim: "Sluzbena statistika HZMO-a ne raspolaze podatcima o nedostupnim osiguranicima"Our English renderingthe official statistics of HZMO hold no data on unreachable insured members.

PUBLICA publishes no figures for unreachable members and explained why. Unclaimed exit benefits drain by design, after the statutory period, to the Stiftung Auffangeinrichtung BVG, so a fund level figure would be structurally hollow. On publishing such a figure annually, verbatim: "wenig aussagekraeftig... Wir sehen darin keinen Nutzen."Our English renderingof little informative value, and we see no benefit in it.

No FMA report or publication contains data on unreachable members' pension assets, and verbatim: "Eine Erhebung oder Veroeffentlichung ist auch in naher Zukunft nicht geplant."Our English renderinga survey or publication is not planned in the near future either.

Verbatim: "Es handelt sich nicht um in Franken bezifferbare Kapitalanspruche fur eine bezifferbare Anzahl Personen, sondern um Anwartschaften aller je Versicherten auf spatere Renten (deren Hohe ungewiss ist) aus einem Umlageverfahren"Our English renderingthese are not capital claims quantifiable in francs for a quantifiable number of people, but entitlements of all ever insured persons to future pensions of uncertain amount, from a pay as you go system.

On figures: "aucun chiffre officiel correspondant precisement a l'indicateur decrit dans votre Pension Scoreboard n'est actuellement publie par l'IGSS"Our English renderingno official figure corresponding precisely to the indicator described in your Pension Scoreboard is currently published by the IGSS.

On future publication: "nous ne sommes pas en mesure de confirmer a ce stade qu'une publication specifique est prevue."Our English renderingwe are not able to confirm at this stage that a specific publication is planned.

On access: "Le troisieme mode d'authentification permet notamment aux ressortissants de l'Union europeenne d'acceder a MyGuichet.lu au moyen de leur moyen d'identification electronique national"Our English renderingthe third authentication method allows European Union nationals in particular to access MyGuichet.lu using their own national electronic identification means. So it is not reserved to holders of a Luxembourg LuxTrust product. In the same reply they added, honestly, that they cannot say to what extent non Luxembourg nationals already hold a compatible eIDAS credential in practice, and referred that question onward.

As at 31 March 2025 there were 17,876 unclaimed cases with a value of approximately R531 million. That is the as at date, not a current figure; audited 2026 figures are due with the GEPF Annual Report in November 2026. Their definition, verbatim: a claim is an unclaimed benefit "if the mode of exit and last day of service are known but the benefit is not paid within the 24 months of the last day of service." On the diaspora question: the unclaimed benefit booklet is published within the borders of South Africa only, the same list is on the GEPF website, and there is no separate breakdown for members believed to live abroad.

Verbatim: "Unsere Formulare auf unsere Homepage sind auch für den Todesfall ausgelegt. Der Anfrage müssen die Kopien folgender Unterlagen beigelegt werden: Todesschein und Amtlicher Beleg zur Verwandtschaft (Familienausweis, Erbbescheinigung, Geburtsurkunde usw.) Die Kopien sind nicht zu beglaubigen."Our English renderingtheir forms already cover a deceased member, and the request must enclose copies of a death certificate and official proof of relationship, such as a family record, certificate of inheritance or birth certificate. The copies do not need to be certified.

Verbatim: "Anwesenheit. Ja."Our English renderingan application can be completed without appearing in Switzerland.

Contact is info@sfbvg.ch, or by post to Sicherheitsfonds BVG, Eigerplatz 2, Postfach 1023, 3000 Bern 14. The search form is at sfbvg.ch/aufgaben/suche-vorgehen.

Within the EEA, EFTA and the United Kingdom the application is made to the institution of the country of residence, which verifies identity under its own rules and forwards it. Verbatim: "Personen mit Wohnsitz ausserhalb der genannten Staaten sollen direkt mit uns Kontakt aufnehmen (E-Mail genügt), um die Rentenanmeldung einleiten zu können."Our English renderingpeople resident outside those states should contact us directly, and email is enough, so that the pension application can be started.

Verbatim: "Das ist Standard. Es braucht kein persönliches Erscheinen in Liechtenstein."Our English renderingthat is standard. No personal appearance in Liechtenstein is required.

On an estate, verbatim: "Es handelt sich um ein Umlageverfahren, d.h. es gibt kein Sparkapital, auf das die Erben Anspruch haben."Our English renderingit is a pay as you go system, so there is no capital sum to which heirs have a claim. Read together with the next point: widows, widowers and orphans of someone with a Liechtenstein insurance career may still be entitled to a survivor pension.

There is no public register of insured persons. The route is an Auszug aus dem Individuellen Konto, and requesting it needs a copy of an identity document, at ahv.li/online-schalter/ik-auszug-anfordern.

The Pensions Authority confirmed that it does not publish data on unclaimed pension entitlements. It supervises occupational schemes and holds the scheme register, and it publishes scheme and membership statistics, but no aggregate for benefits whose member cannot be traced. Our record was already correct and is unchanged.

Verbatim: "Latvija neapkopo un nepublice sadus datus. Nav ari planots to nakotne darit."Our English renderingLatvia does not collect or publish such data, and there are no plans to do so in the future.

1. A participant who has left Indonesia permanently, or a foreign national, can claim only in person at the nearest branch office, once back in Indonesia. The exception is a balance under Rp15,000,000, which can be claimed through the JMO app.
2. Documents required: the BPJS Ketenagakerjaan card, a valid passport, and a statement letter confirming the person no longer works in Indonesia.
3. Where a participant has died abroad, the heirs must attend a branch office in person with the BPJS card, the heir's e-KTP, the death certificate, an heir certificate signed by kelurahan and kecamatan officials, and an NPWP where the balance exceeds Rp50,000,000. Originals and photocopies of each.
4. Balances cannot be published. Verbatim: "saldo JHT bagi masing-masing bersifat rahasia dan tidak dapat dipublikasikan"Our English renderingeach participant's JHT balance is confidential and cannot be published.

The SEC does not publish provident fund members' outstanding balances on an individual basis. At present it does not disclose unclaimed balance data annually or on a periodic cycle, and it will consider the matter going forward.