Roth 401k Withdrawal

[Safeharbor29]

Can a 401k plan not allow you to withdrawal your roth funds even though you are 59 1/2 and have been an active participant for 5 years?

[QDROphile]

Yes, in accordance with appropriate plan terms.

[Lou S.]

In Service distributions are not a Plan requirement, but the rules about withdrawals should be in your Summary Plan Description. If you don't have one, request a copy from the appropriate person.

[mbozek]

Plan is required to have provisions on when distributions can be made from Roth 401k. Roth 401k distributions cannot be deferred after 70 1/2 but can be rolled over to a Roth IRA.

Edit: roth account is subject to tax rules for MRDs which requires distributions at 70 1/2 for all participants other than non 5% owners who participate in a plan that allows MRD commencement to be deferred until Apr 1 of year following retirement.