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Frequently Asked Question
Do I need to elect the percentage I defer, the year when it will be distributed, and the form of payment when it is distributed?

Your election must specify the amount of compensation for deferral, the date of the payout(s), and the form (a lump sum or yearly payments/annuity). First, you need to learn from your company both what you can elect and what is mandatory under your plan. Then you decide…

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More FAQs
If I am not certain about when I should take my distributions, when should I elect to receive them?
What if I have a financial or medical hardship? Can I get a distribution?
Can I get a distribution in stock?
Can my distribution be linked to a formula?
Can I elect a different timing for just a part of my already scheduled future distributions, or must my subsequent deferrals all be treated the same?
Can I get a distribution at any time and just take a “haircut” on it by paying a penalty to my company, or is that only for grandfathered plans?
Can I accelerate my distributions to withdraw the money earlier?
If the distribution is not made at the exact time specified in the plan, how much earlier or later than the scheduled distribution date can I receive the payment without being penalized?
Can I change the timing or form for just part of my scheduled distribution, or even just one installment payment?
Are the rules different if I change the timing of an installment distribution?

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