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I am forwarding this message on behalf of a co-worker and aspiring Fool. Ken writes:
I am a 45 year old who was paralyzed in an auto accident 20 years ago. I recieved SS diability payments for about 8 years until I became employable in 1983. For the last 15 years, I have been investing fully in IRA's and a deferred compensation plan to the amount I could afford. Being aware that my life expectancy is shortened and the fact that I may not be healthly enough to work until age 59.5, my desire is to regain a disability status around age 50+. My hope is then to draw premature distributions out of my accounts and avoid penalties. Is this possible given my situation, and if so, what do I need to be doing now to prepare for that eventuality? Thanks for any advice. Oh, and I just purchased a computer and plan to visit TMF frequently.
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