퇴직연금에 가입한 노동자들이 퇴직 후 지급을 신청하지 않아서 퇴직연금사업자인 금융회사에 적립된 돈을 퇴직연금 미청구 적립금이라 한다.
Unclaimed retirement pensions are reserves saved at financial institutions, or pension operators, because workers subscribed to pensions didn't apply for payments after retirement.