dlarae

Thank you for all of the responses. I appreciate them. I will pull out the massive file I have from them and see if I can't quote the actual Summary Plan Document, here, to (possibly) explain why they are not clear - to me, anyway.

Well, the disability is to he determined by a doctor chosen by the plan administrator....and the disability determination was due to the chronic illess that I have had since 1998.

Hoping that someone can help...or point me in the right direction... I worked for a company from 09/10 to 02/13. I won't get into details, but there was some shady and questionable things on their part and they found/fabricated a reason to terminate my employment...a lot of which had to do with my chronic illness...and the company requiring me to abide by my own set of rules, which didn't afford me the same flexibility as all other employees. If someone needs specifics, I can provide them. Anyway... I haven't worked full-time since then and was determined disabled as of 07/14 by SSA. I received my ESOP distribution in 2014 (can't recall the month, offhand, but I believe it was November). I was only 20% vested, but it was brought to my attention that since I was still part of the plan, while waiting for my distribution, I should have been vested at 100% and also be able to forgo the 10% early distribution penalty. I managed to get the plan documents but they are not clear. Can anyone help?