Yes, unearned is in the scrabble dictionary

...and is worth 12 points by itself.

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Unearned Definition

adjective

Not deserved: unearned luck.
from The American Heritage Dictionary of the English Language, 4th Edition
Not gained by work or service: unearned income.
from The American Heritage Dictionary of the English Language, 4th Edition
Not yet earned: unearned interest.
from The American Heritage Dictionary of the English Language, 4th Edition
Not gained by labor, service, or skill .
from Free Scrabble Dictionary
Scored as a result of an error by the opposing team .
from Free Scrabble Dictionary

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Top Words by points

Points

unearned

9

2 letter words with UNEARNED

Points

ae

2

un

2

re

2

nu

2

ne

2

na

2

ad

3

er

2

en

2

ed

3

an

2

de

3

da

3

ar

2

3 letter words with UNEARNED

Points

are

3

urd

4

eau

3

end

4

era

3

ere

3

ern

3

ear

3

dan

4

urn

3

ane

3

and

4

nae

3

nan

3

nee

3

nun

3

ran

3

dee

4

den

4

due

4

dun

4

run

3

rad

4

red

4

ree

3

rue

3

4 letter words with UNEARNED

Points

rede

5

urea

4

rune

4

rued

5

rude

5

rend

5

nard

5

reed

5

nare

4

near

4

need

5

nene

4

nerd

5

nude

5

nurd

5

read

5

rand

5

dear

5

dree

5

dune

5

dura

5

dure

5

durn

5

dere

5

dene

5

deer

5

dean

5

earn

4

erne

4

darn

5

dare

5

unde

5

5 letter words with UNEARNED

Points

undee

6

ranee

5

redan

6

denar

6

under

6

arene

5

nuder

6

eared

6

ender

6

endue

6

enure

5

6 letter words with UNEARNED

Points

unread

7

endear

7

neared

7

enured

7

ennead

7

endure

7

earned

7

dunner

7

duenna

7

8 letter words with UNEARNED

Points

unearned

9

Found 93 words in 0.28322 seconds