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I’m an individual or investor looking to take action to help secure my financial future.

I want to tackle the retirement and protection needs of individuals.

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I want to tackle the retirement and protection needs of individuals. This website content is intended for use by Financial Professionals.

Natural Disaster and Terminal Illness Distributions

Penalty-free for participants 

How is SECURE 2.0 relevant to you?

Select one of the options below to learn more.

Qualified Disaster Recovery Distributions (QDRD)

Participants of 401(k), 403(b), governmental 457(b) and individual retirement plans can now receive penalty-free distributions (QDRD) when affected by natural disasters occurring on or after January 26, 2021. You should read more information below about participant eligibility and dollar limits.

  • Eligibility: participant must have sustained an economic loss, and their primary residence must have been in the disaster area.
  • Max distribution: $22,000 per disaster aggregated across all employer-sponsored and individual retirement plans.
  • Max loan: the lesser of $100,000 or 100% of the vested account balance. Plans can also suspend loan repayments for up to one year (requires loan extension).
  • Timeframe: QDRD must be made within 179 days after the later of:
    - the first day of the incident period or
    - the date of the disaster declaration (for disasters occurring between January 26, 2021, and December 29, 2022, the deadline is June 27, 2023)

Are you concerned about out-of-pocket expenses after a natural disaster? 

You are not alone.

A recent survey found that 45% of Americans do not know what their homeowner’s insurance will cover after a natural disaster.

While not ideal, qualified plan participants may be able to access retirement plan funds (penalty-free) to help with the cost of repairs, relocation and daily living expenses while they recover.

Source: ValuePenguin survey of 1,577 consumers conducted in July 2022.

  • Eligibility: participants must present plan sponsors with a physician certification (sufficient evidence) that the employee has an illness or physical condition reasonably expected to result in death within 84 months.
  • Max distribution: up to 100% of vested account balance
  • Timeframe: none


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