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Requesting a Coronavirus-Related Distribution (CRD)

IN ACCORDANCE WITH THE CARES ACT, THE CORONAVIRUS-RELATED distribution PROVISIONS DESCRIBED BELOW EXPIRE ON december 31, 2020. all crd requests must be submitted and approved by an authorized plan representative by noon (ET) on december 28th.


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.