Ok I am 40 years of age and worked 12 years for the same company and got hurt on the job. I had to have a disc replacement and now disabled and applying for SS. I have a 401k with the company but I, see you get a early withdraw penalty. So should I try and with draw it myself or should I get a tax person to help me with it because I read that the penalty can be waived for some one who is disabled? Any info would be greatly appreciated...