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Message: <blockquote data-quote="bacha29" data-source="post: 5560594" data-attributes="member: 58386">The lump sum only becomes an option when your employment ends There are some rules regarding the person becoming disabled. Minimum penalty free withdrawals otherwise is normally age 59.5. Being that you work for Logistics you might be spared but workforce reductions appear likely. I would strongly discourage any Express courier weather local P&D or shuttle or linehaul from going to work for a contractor It's a segment of the economy that will continue to become less attractive. In the meantime determining what economic resources will be at your disposal and how best to use them will be time well spent.</blockquote>