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I am not an IRS rep or an accountant and therefore advise you to ask a professional. try the tax board or go to faqs.

This isnt an answer, this is guidance.

I looked in Pub 17 and heres what I found:

Pg 124; Early Distributions;
TRADITIONAL IRA early distributions are subject to an additional 10% tax...
exceptions are:
1. unreimbursed medical expenses more than 7.5% of AGI
2. medical insurance
3. disabled
4. beneficiary
5. annuity
7. first home
8. IRS levy

timely rollovers are not taxed.

ROTH IRA distributions pg 125-126 doesnt discuss early distribution or exceptions etc...

I am informed that the exceptions are covered under both traditional and roth.
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