Welcome to the Help Center

Requesting a Coronavirus-Related Distribution (CRD)


The CARES Act requires that the participant must be affected by the coronavirus pandemic in order to request a coronavirus-related distribution (CRD). You are considered "affected" by the virus if:

  • You are diagnosed with COVID-19
  • Your spouse or dependent is diagnosed with COVID-19
  • You experience adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19
  • Other factors as determined by the Treasury Secretary

Coronavirus-related distribution (CRD) provisions:

  • Withdrawal up to $100,000 (across all plans)
  • No 10% early withdrawal tax penalty
  • Taxation at point of distribution can be waived
  • Can be paid back to the plan over 3-year period
  • Participant must self-certify to their qualification
  • Withdrawals can be made until 12/31/2020.

Participant Request

  • Initiated through the Participant's online account
  • Available from all sources
    • Once logged in, select Request a Distribution from the navigation bar

    • Select Add New

    • Select Coronavirus-related Distribution
    • Next you'll be presented with the notification of the requirement to self-certify your request prior to submission
    • Enter your requested amount for distribution (Note: This amount cannot exceed $100,000 across all of your retirement plans)

    • Click Continue to advance and select how you'd prefer to receive your distributions (check or direct deposit/ACH).
    • Scroll down to your tax withholding options. You may choose to waive required Federal and state withholding for your CRD.

    • Click Continue to advance to review your request and provide your self-certification.
    • For the self-certification, click Download to retrieve the PDF self-certification form. Complete it and click Upload to provide the completed copy and attach it to your request.

    • Complete the final verification step to submit your CRD.