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Zera · Money & Finance
Knowledge + Guidance

Where did my old pension go, and how do I find it?

You worked there. You remember the desk, the badge, maybe the parking lot. Somewhere in that time, money went into a pension in your name. Then you left, the company changed hands or closed, and the paper trail went cold. This is not a failure of your memory. Pension records scatter across old mergers, shut-down offices, and government filings nobody ever taught you to read. Reason asks a plain question: does a system that hides a person's own money from them serve that person, or only the ones who already know where to look? You do not have to untangle this alone. Split the search among your pod. One person checks one database, another checks a second, another calls a phone number. Four people searching in parallel find the answer far faster than one person searching by themselves.

◆ How this problem reads on the two dials
GuidanceKnowledge
Coaching
More to learn
1:1 with ZeraWith others (a Pod)
Some one-to-one
Practise with peers
Finding a lost pension requires learning specific government tools and filings, so knowledge leads, with guidance to turn that knowledge into divided, completed action.
How the two dials adapt to you →
What’s really going on

Your pension does not disappear when a company closes. A record of it still exists somewhere. Search the PBGC's unclaimed pension database, pull the plan's old Form 5500 filing, and request your Social Security Statement. Reason says money owed to you stays yours, even when the company's address is gone.

🔒 What you’ll build togetherUnlock by starting
A moveSearch the PBGC's unclaimed pension database (pbgc.gov) using your name and your past employer's name — this is the government's list of pensions nobody could deliver.
A movePull the plan's Form 5500 on the Department of Labor's EFAST2 filing site — every pension plan files this yearly, and it lists the administrator's mailing address even years after the company shut down.
A moveOrder your Social Security Statement online — it lists every employer that ever reported paying into a pension for you, whether or not that company still exists today.
A moveCheck the National Registry of Unclaimed Retirement Benefits using your Social Security number, in case a former employer already reported you as an unlocatable participant.
A moveAssign each pod member one search from this list, set a 30-minute timer, and report back what each person found — or confirmed as a dead end.
PractiseThe Pension Trace · a Pod of 4 · 30 min

What changes unlock by starting

  • You know whether the pension still exists and is active.
  • You have a real dollar estimate instead of a guess.
  • You have a current name and address for the plan administrator.
  • The pension is finally counted in your real financial plan, not left out of it.
One object, two jobs: a public answer to a real problem, and — the moment you start the chat — Zera’s live plan for your version of it.