401khelpcenter.com - What distributions from a 401k are not subject to the 10% early withdrawal penalty?

FAQ - ANSWER

What distributions from a 401k are not subject to the 10% early withdrawal penalty?

Answer: There are only a couple of situations where the IRS will waive the 10% early withdrawal penalty.

Your unreimbursed medical costs exceeds 7.5% of your income.
There is a Qualified domestic Relations Order (QDRO) from the courts that mandate funds from your account go to a former spouse, child, or dependent.
You’ve separated from service and were at least 55 years of age when you did so.
You have elect a Section 72(t) retirement distribution.
You are totally disabled.
You have died and your beneficiary gets the money.