How Do I Apply for an Unforeseeable Emergency Withdrawal?

When life throws you an unexpected curve, it's good to know you may have options to help you deal with financial emergencies.

Unforeseeable emergencies

An unforeseeable emergency is defined by federal law as a severe financial hardship experienced by you, your spouse or any of your plan beneficiaries.

Starting February 2024, the Plan has adopted SECURE 2.0 regulations that allow for self-certification of unforeseeable emergencies. The Plan now allows two self-certified unforeseeable emergencies in a calendar year.

The Plan will not ask for supporting documentation for your self-certified unforeseeable emergency, but the IRS may. Please retain supporting documentation for your own records.

General examples of an unforeseeable emergency may include:

Medical expenses not covered by insurance
Foreclosure or eviction from your home
Funeral expenses for a spouse or dependent
Other similar extraordinary and unforeseeable events that are beyond the control of you or your beneficiaries

How do I apply?

To apply, fill out the Self-Certification Unforeseeable Emergency Form (PDF) and return it to us via mail. The Self-Certification Unforeseeable Emergency Form is available on the Forms page under Distribution Forms.

While making the decisions related to this unforeseeable emergency request, please keep in mind that the Plan allows for two self-certified unforeseeable emergencies in a calendar year.

Things to keep in mind

Not all circumstances qualify as unforeseeable emergencies. According to IRS requirements, your requested distribution shouldn't exceed the amount that is reasonably needed to meet the emergency plus any additional taxes and penalties. You may also be able to apply for a loan from your account or withdraw money from your account if you are terminating employment. Keep in mind that withdrawing large amounts from your account may make rebuilding your retirement investments more difficult in the future.