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Retirement tax questions

The 2019 tax withholding will be credited on your 2019 tax return and any of the tax withholding in excess of your 2019 tax liability will be refunded with you file your 2019 tax return.  In the meantime you'll need to substitute other funds to complete the rollover of the entire distribution since the rollover must be completed no later than 60 days following the date of receipt of the distribution from the 401(k), long before you'll receive any refund after filing your tax return.

 

You had the option to tell the 401(k) plan to do a direct rollover to another qualified retirement account, say, an IRA, and avoid having any amount withheld for taxes.  Since you did not do that and instead received a distribution paid to you, the plan was required to withhold a minimum of 20% for taxes, putting you in the situation where you need to substitute other funds to complete the rollover of the entire distribution by the deadline.