Social Security Questions? Ask a Social Security Expert
If you are disabled at the time you took 401k distribution - you may claim an exception from early distribution tax.However the money you took out will be subject to regular income tax.
All these calculations are done on your individual tax returns.
But withholding is not your actual tax liability.Your actual tax liability will be calculated on your tax return.So any withholding will be CREDITED toward your tax liability - and if your actual tax liability is less - you will be getting a refund.If you were disabled - and form 1099R doesn't indicates that - you would need to file form 5329 with your tax return and claim disability exemption.
Let me know if you need any help with reporting.
What is the total amount of your distribution?