At the company I retired from a year ago, the fully vested time was 6 yrs but it was progressive during those 6 yrs. Also had a policy that the only way you could get at it was to either reach age 62 or terminate employment. If you terminate employment they had a full year in which to give it to you, and used every bit of it. If you retired or just requested it at age 62 it took about a week. You could keep working and still draw it all out and roll it over without paying tax. I got mine out as soon as possible and rolled it over into my own IRA. By law they could make their retirement age where ever they want. Government sets min at 59 1/2 but there is no maximum. It's completely up to the individual plan what age they choose to let you have it. I get to laugh last because at my present retired income level, I can draw out $10,000 a year and owe no income tax on it, which I will do just to get it out. It draws less than 2% int and no one is going to use my money for free. Yes they will make it a PITA whenever they can.
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Today's Featured Article - The Niagra View Mobile - Powered by a 1959 Ford Tractor - by Mark Massey. In 1959 the Niagara Frontier Transit Inc. of Buffalo, New York designed and built six Viewmobiles for the Niagara Frontier Sightseeing Inc. for use as a sightseeing ride at the Niagara Falls State Park, Niagara Falls, New York, powered by a 1959 Ford 611 Tractor.
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