Hi
I'm in a similar situation. The exception that applies to me is this one:
A distribution that is part of a series of substantially equal periodic payments as described in section 72(q), (t), (u), or (v).
That means, I'm getting a fixed amount from this pension each month for the rest of my life. That's called a SEPP (substantially equal periodic payment), which is what's keeping you from getting the 10% premature distribution penalty.
Hope this helps!
