Where can I find the specific requirements and procedure for obtaining a hardship waiver of the 10% penalty for early distribution from a traditional IRA?

Here are the exceptions for having to pay the 10% earlywithdrawal penalty from an IRA:

• You have unreimbursed medical expenses that are more than 7.5% of your adjusted gross income.
• The distributions are not more than the cost of your medical insurance.
• You are disabled.
• You are the beneficiary of a deceased IRA owner.
• You are receiving distributions in the form of an annuity.
• The distributions are not more than your qualified higher education expenses.
• You use the distributions to buy, build, or rebuild a first home.
• The distribution is due to an IRS levy of the qualified plan.
• The distribution is a qualified reservist distribution.

Here are the exceptions for having to pay the 10% earlywithdrawal penalty from an IRA:

• You have unreimbursed medical expenses that are more than 7.5% of your adjusted gross income.
• The distributions are not more than the cost of your medical insurance.
• You are disabled.
• You are the beneficiary of a deceased IRA owner.
• You are receiving distributions in the form of an annuity.
• The distributions are not more than your qualified higher education expenses.
• You use the distributions to buy, build, or rebuild a first home.
• The distribution is due to an IRS levy of the qualified plan.
• The distribution is a qualified reservist distribution.

Thank you. I'm familiar with these exceptions. I was wondering if there were any other ways to get a hardship waiver.

Thank you. I'm familiar with these exceptions. I was wondering if there were any other ways to get a hardship waiver.

The list I gave is it - there is no such thing as a "hardship waiver."

Based on what was said in this thread: http://www.askmehelpdesk.com/taxes/penalty-withdrawing-money-ira-336569.html I was hoping there was a waiver I didn't already know about. Oh well. Thanks anyway.

There's nothing in that thread that contradicts what I said. People sometimes use the term "hardship withdrawal" when talking about IRAs, even though the term applies to 401(k)'s. But even with 401(k)'s, hardship withdrawals are fully taxable and usually carry a 10% early withdrawal penalty.

I wasn't trying to suggest that the thread contradicted what you said. I was just hoping there was something more. As I said, thanks anyway.