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After-tax contributions included in a payment are not taxed. If a
payment is only part of your benefit, an allocable portion of your
after-tax contributions is generally included in the payment. If you
have pre-1987 after-tax contributions maintained in a separate
account, a special rule may apply to determine whether the aftertax
contributions are included in a payment.

If maintained in a separate account, pre 1987 after-tax contributions are treated differently. It has been awhile (quite awhile) ago that I used this option in my company's savings plan. At the time, contributions could be withdrawn without penalty.
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