Thanks for the reply. So, based on what you are saying, if I took the distribution (received the funds) in March 2021, I can claim it as a Covid disaster-related distribution. Is that correct? Confusing because you stated Covid could not be considered a qualified disaster for 2021, but if I took the distribution in 2021, I can. Am I reading this wrong? Some further background, I am an American ex-pat living overseas. I am self-employed. Covid restrictions dramatically impacted my business (and income) throughout 2020 and 2021 in the country in which I live. By early 2021, I needed to take a distribution to survive financially through that calendar year.
