<prompt> Human: Im not alone. Other former employees had the same thing happen.I was there 3 years, had a 401k, takes 5 years to get vested. When I left, I took my money with me. During employment, my vested, and unvested deposits were in 2 separate accounts. I could see both on the website, and got statements for both, but I only had control over mine. I left 5 years ago, and since then, I still get quarterly statements on their money, I figured they just leave old unvested money in those accounts to remain invested and grow. However yesterday I got a 1099r and a deposit stub showing that it had been rolled over to a Charles Schwabb IRA on my behalf. So shouldnt I be able to contact CSB and roll it over to my main IRAs? Assistant: Are you sure no part of it vested?It is common enough that you would have two separate accounts for your and your employers contributions. But generally a vesting schedule doesnt happen on that kind of a cliff. If it was a 5 year total vesting schedule, I would expect that you would have had 35 of their contributions vest to you by the time you left, since you had been there 3 years.Human: Hospitals are always a bit strange...so you may be correct. I know my current employer offers vestment at 20 per year, fully at 5. At the job I was always told vested after 5 but did not mention any sort of graduated scale.I was also much younger and paid a lot less attention then.  <response>: I believe 5 year vesting schedules require partial vesting. Only with a three year vestin schedule can it be a cliff where its all or nothing. 