No. of Recommendations: 1
It is YOUR money, and I would guess your former employers will be glad to get your accounts off of their books. You will have to fill out a bunch of forms (call the HR department at your former employer and request the forms) and get notarized signatures from your beneficiary(ies) to get the funds transferred to your IRA account.

BTW, if you don't already have an IRA account, you should establish one with the IRA custodian of your choice. Request from them a Direct Rollover form, fill it out and send it in. They will contact your former employer to effect the direct transfer as soon as all the paperwork is in order.

I would recommend that you avoid handling the money yourself to avoid the penalty for early distribution. Direct transfer is the cleanest method.
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