Who do I contact and etc . ?
The first thing you will need to do is contact your former employer’s HR department or look on your most recent statement and contact the organization that provides you with quarterly statements for your 401(k) plan to obtain the necessary distribution paperwork. You have a few options available to you when you terminate employment and have a 401(k) plan:
1) if you have more than $5,000 in your account you can leave it in the plan at Things Remembered and continue to have access to make investment changes. You just can’t contribute more into that account;
2) you can transfer that 401(k) account to your new employer’s 401(k) if the plan allows without incurring any tax consequences or early withdrawal penalties;
3) you can roll the money into an IRA account without any tax consequences or early withdrawal penalties: or
4) you can take a cash distribution, pay the taxes as ordinary income and if younger than 59 ½ years old would be subject to a 10% early withdrawal penalty.
It may be prudent to check with your tax consultant to determine the best option for you.
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there should be a phone # on a statement that you can call to request a distribution or contact HR at your former employer