No, none of what you described qualifies as an exception to the penalty. Penalty Exceptions. There are very few exceptions* to the TAX on Retirement distributions. Allowable exceptions to the 10% early (before age 59-1/2)
withdrawal penalty are:
1. Rollovers to another IRA (no tax due)
2. Disability
3. Medical costs exceeding 10% (7-1/2% if over age 65) of AGI
4. Separation from service at age 55 or older (pensions & 401K but not IRAs)
5. Substantially equal periodic payments(SEPP)
6. Military reservist called to active duty
7. Public safety employees separated after age 50
8. IRS levy
9. Education expenses (Only IRAs; not available for withdrawals from 401k plans)
10. Court ordered spousal payments
11. First time home buyer (Only IRAs;
not available for withdrawals from 401k plans)
12. Beneficiary
13. Unemployed Medical Insurance
14. Age 59-1/2
15. See the instructions for form 5329,for some other obscure exceptions
http://www.irs.gov/pub/irs-pdf/i5329.pdf*exceptions to the tax on distributions: roll overs, charitable contributions by someone over age 70-1/2 and once-in-a-lifetime IRA to HSA transfers.
