You are totally disabled. (The key to the disability exception seems to lie in the permanence of the condition, not the severity. Therefore, to claim this exemption you have to furnish not only information proving that you are totally disabled, but also information on the permanence of the disability.) ( IRC §72(t)(2)(A)(iii) )
You have died and your beneficiary gets the money ( IRC §72(t)(2)(A)(ii) ).
You have made contributions under special automatic enrollment rules that are withdrawn pursuant to your request within 90 days of enrollment ( IRC §414(w)(1)(B) ).
Certain distributions to qualified military reservists called to active duty (IRC §72(t)(2)(G) )
Because of an IRS levy of the plan ( IRC §72(t)(2)(A)(vii) )
Certain corrective distributions
You should also consider taking a loan or hardship withdrawal from your plan.