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Guest pthomann
Posted

Are there any exceptions to the 20% withholding rule for partcipants of a DB plan who rollover their contributions? For example: a DB plan member is issued a check at retirement directly from the pension plan and no tax is withheld. Are some government plans permitted to not withhold?

Guest b2kates
Posted

lump sum distributions eligible for rollover are subject to mandatory 20% withholding IRC 3405©

If it is not rollover eligible then the 20% withholding does not apply.

Posted

And don't forget that more states are jumping on the withholding bandwagon. This is a pretty good summary:

http://www.cigna.com/professional/pdf/CPA_iidw0201.PDF

But it may be out of date. For example, now NC and VA both have 4% withholding.

I'm a retirement actuary. Nothing about my comments is intended or should be construed as investment, tax, legal or accounting advice. Occasionally, but not all the time, it might be reasonable to interpret my comments as actuarial or consulting advice.

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