I have Stage IV rectal cancer and am terminally ill, but I am fortunate to have saved over $5 million in my 401k, but I'm 58 so if I withdraw money for "bucket list" items I would normally have to pay a penalty, but I see there is an exclusion for terminally ill patients hence my question. How do I certify I am terminally ill to the IRS so I do not have to pay a penalty on my 401k withdrawals?
