Do I qualify for an exception to the early withdrawal penalty?

If you had one of these types of distributions, you qualify for an exception to the penalty:

• Age 55+: Qualified employee plan distributions because of separation from service in or after the year you reach age 55.
• Public Safety Employees: Distributions because of separation from service in or after the year you reach age 50 (or when you reached 25 years of service with the plan, whichever is earlier).
• Equal Periodic Payments: Receiving the distribution as part of a series of substantially equal payments made every year over your life expectancy.
• Disability: Receiving the distributions due to total and permanent disability.
• Death: The distributions were due to death.
• Medical Expenses: Distributions for medical expenses if your unreimbursed medical expenses were greater than 7.50% of Adjusted Gross Income (AGI). Only enter medical expenses in excess of 7.50% of AGI.
• Divorce: Distributions were required by a qualified domestic relations order (QDRO). A QDRO is usually a distribution to an ex-spouse required by a divorce agreement.
• Health Insurance for Unemployed: IRA distributions made to unemployed individuals used to pay for health insurance premiums.
• Education: IRA distributions made for higher education expenses.
• Home Purchase: IRA distributions made to purchase a first home, up to $10,000.
• IRS Levy: The distributions were because the IRS levied the qualified retirement plan.
• Active Duty Reservists: Qualified distributions to reservists while serving on active duty for at least 180 days.
• Incorrect Records: Distributions incorrectly marked as early (amounts were received after age 59 1/2 or older).
• 457 Plan: Distributions from a 457 plan.
• Pre-1986 Separation of Service: Distributions from an employer plan with separation of service by March 1, 1986.
• 404(k) Distributions: Distributions that are dividends paid with respect to stock described in section 404(k).
• Annuity: Distributions from annuity contracts.
• Federal Employee: Distributions for phased retirement annuity payments made to federal employees.
• 414(w) Distributions: Permissible withdrawals under section 414(w).
• Birth & Adoption: Birth or adoption distributions, up to $5,000.
• Terminal Illness: The distributions were due to a terminal illness.
• Corrective Distributions: Excess contributions (and earnings allocable to the excess contribution) distributed before the due date of the tax return (including extensions).
• Domestic Abuse: Qualified distributions from an applicable eligible retirement plan to victims of domestic abuse
• Emergency Expense: A distribution from an eligible retirement plan to meet unforeseeable or immediate financial needs for a personal or family emergency.
• Long-term care Premiums: A distribution after December 29, 2025 to pay for long-term care insurance. Up to $2,500 per year.