What age does the early withdrawl fee of 10% get waived

59 1/2

Note that it is not the YEAR you turn 59.5, but the DATE.

Example: you turn 59 on 10 Feb 2014. You must wait until 10 August 2014 before you can make the withdrawal and NOT pay the 10% Early Withdrawal Penalty.

I had a client make that mistake two years ago, much to his regret when I told him he had to pay the penalty.