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What documentation is required?

The amount of your hardship withdrawal is limited to the amount you need to meet the immediate hardship, including taxes and penalties. This is illustrated by your supporting documents.

The IRS also restricts the type of money you can withdraw from your Single(k):

  • You may withdraw pre-tax contributions.
  • You may withdraw profit-sharing contributions and the associated earnings.
  • You may not withdraw earnings on pre-tax contributions.
  • You may not withdraw Roth contributions and any associated earnings.

What documentation is required?

You must compile the necessary documentation to support the need for a hardship withdrawal from the retirement plan. Below is a list of documentation you must provide prior to taking a hardship withdrawal, based on the particular hardship.

ReasonRequired Documentation
Medical/Dental Expenses
  • Loan denial letter from a commercial source. Credit card and lines-of-credit denials are not acceptable.
  • If the bill is for a spouse or dependent, copies of tax documentation or official paperwork proving their relationship to you is required.
  • Copies of medical bills for services which show the portion covered by medical insurance carrier, and/or the explanation of benefits from the insurance carrier.
  • If NO portion was covered by insurance, a letter on company letterhead from the insurance company explaining that the procedure was not covered.
  • If you do not have insurance coverage you must provide proof, such as documentation from your employer showing no election for insurance coverage.
Home Purchase
  • Loan denial letter from a commercial source.
  • Copy of the purchase agreement signed by the buyer and seller that includes the closing date and balance of the purchase price.
Post-Secondary Education
  • Loan denial letter from a commercial source. Credit card and lines-of-credit denials are not acceptable.
  • Tuition statement or school invoice on letterhead from the institution showing the student’s name and amount owed. The statement must be for the current quarter/semester in which the student is enrolled and/or up to 12 months into the future. (No reimbursement for past schooling permitted.)
  • If the student is a spouse or dependent, copies of tax documentation or official paperwork proving their relationship to you is required.
Foreclosure/Eviction
  • Loan denial letter from a commercial source. Credit card and lines-of-credit denials are not acceptable.
  • Notice of foreclosure or eviction on letterhead stating the date of impending foreclosure/eviction and the dollar amount needed to prevent such action. Foreclosures for a primary residence accepted only.
  • If you rent from a private landlord as opposed to a rental company, a copy of your original lease agreement is required.
  • If the foreclosure or eviction notice is in your spouse’s name, copies of tax documentation or marriage certificate proving their relationship to you.
Funeral Expenses
  • Loan denial letter from a commercial source. Credit card and lines-of-credit denials are not acceptable.
  • Copies of bills/invoices in your name.
  • Proof of relationship to the deceased, such as tax documentation or official paperwork.
Home Repair
  • Loan denial letter from a commercial source. Credit card and lines-of-credit denials are not acceptable.
  • Copy of estimate.
  • Letter of denial of coverage from the insurance company.


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