Hidden payouts are matured, dormant or interim benefits that became payable but were never claimed—often because address changes or lost contact meant notices never arrived.

On integrated lookup sites such as 'Find My Insurance,' identity verification shows all policies and unclaimed benefits at once.

Foreign policyholders, including Chinese residents in Korea, can also check policies in their own name—bring ID and an authentication method, and past employer group policies are worth checking too.

Dormant benefits earn almost no interest, so the longer they sit the worse. Authorities plan a concentrated outreach period in the second half.

Texts or calls offering to claim benefits for a fee are scams—beware of impersonators.