No, if the withdrawal was not COVID related then you cannot use the Form 8915-E and spread the income tax out over three years.
But, it doesn't matter if your 401k provider classified it as not COVID related, if any of the following points apply to you then you can spread the withdrawal from your 401k over three years and use Form 8915-E:
- You, your spouse, or your dependent are diagnosed with COVID-19
- You experience adverse financial consequences as a result of being quarantined, furloughed, or laid off or having work hours reduced because of COVID-19
- You’re unable to work due to child care closure or hour reduction because of Covid-19
- You experience adverse financial consequences as a result of closing or reducing hours of a business that you own or operate due to SARS-CoV-2 or COVID-19.
If you qualify you won't have to pay the 10% early withdrawal penalty.
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