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Coronavirus-related Distribution (CRD) Request


The CARES Act requires that the participant must be affected by the coronavirus pandemic to request a coronavirus-related distribution (CRD). To be eligible for a CRD, the participant, their spouse or dependent must have either been diagnosed with COVID-19 or the participant must have suffered adverse financial impact due to COVID-19 as a result of the participant, their spouse, or a member of the participant's household:

  • being quarantined, being furloughed or laid off, or having work hours reduced due to COVID-19;
  • being unable to work due to lack of childcare due to COVID-19;
  • closing or reducing hours of a business that they own or operate due to COVID-19;
  • having pay or self-employment income reduced due to COVID-19; or
  • having a job offer rescinded or start date for a job delayed due to COVID-19.

Coronavirus-related distribution (CRD) provisions:

  • Withdrawal up to $100,000 (across all plans)
  • No 10% early withdrawal tax penalty
  • Taxation at point of distribution can be waived
  • Can be paid back to the plan over 3-year period
  • Participant must self-certify to their qualification
  • Withdrawals can be made until 12/31/2020.

Participant Request

  • Initiated through the Participant's online account
  • Available from all sources
    • Once logged in, participant can select Request a Distribution from the navigation bar

    • Select Add New

    • Select Coronavirus-related Distribution
    • Next you'll be presented with the notification of the requirement to self-certify your request prior to submission
    • Enter your requested amount for distribution (Note: This amount cannot exceed $100,000 across all of your retirement plans)

    • Click Continue to advance and select how you'd prefer to receive your distributions (check or direct deposit/ACH).
    • Scroll down to your tax withholding options. You may choose to waive required Federal and state withholding for your CRD.

    • Click Continue to advance to review your request and provide your self-certification.
    • For the self-certification, click Download to retrieve the PDF self-certification form. Complete it and click Upload to provide the completed copy and attach it to your request.

    • Complete the final verification step to submit your CRD.

Plan Sponsor Approval

  • The Plan Sponsor authorized to approve distributions will receive an email notification when a distribution is ready for your review.
  • Log into your online Plan Sponsor Web account and select Distribution Approval from the navigation menu
  • Select the distribution
  • The Request Summary will provide you with an overview of the request details, participant information, request amount, taxes, etc. 
  • Scroll down on the Summary page to view the request of the identification questionnaire and the self certification
  • Click View and the self-certification document that the participant uploaded to their request will open for your viewing
  • In the Distribution Approval Status, you can select Approve or Reject.
    • If approved the participant's transaction request will queue for processing. The participant will receive an email that their request has been approved for processing.
    • If rejected, you can select a rejection reason and enter notes for the participant. The participant will receive an email that their request has been rejected.