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Just as an FYI follow-up, I got through to an account representative and she said that the Non-Taxable Distribution is if I had after-tax contributions in my account. Since this is a 401(k) with all pre-tax contributions, I do not need to check the Non-Taxable Distribution option.

Sorry for being so impatient while on hold and posting before I had a chance to talk to them.

Thanks for letting me waste two posts on the board.

dt
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