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The early withdrawal penalty, also called the early distribution rule is a 10% federal tax that is applied to withdrawals made before age 59-1/2. 10% of $20,000 = $2,000. There are exceptions whereas you may not have to pay the 10% penalty.
You are using the withdrawal to pay for:
unreimbursed medical expenses in excess of 7.5 of your adjusted gross income;
health insurance premiums for you, your spouse or dependents during a year in which
you collected unemployment benefits for more than 12 consecutive weeks;
qualified higher education expenses for you, your spouse, dependents, grandchildren;
unpaid federal income tax liability levied by the IRS;
you make a qualifying rollover;
you are receiving the funds due to a qualifying disability;
I will get back with you shortly with the amount for the state of CT. Thank you.