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New Member
posted Feb 4, 2021 8:22:40 AM

I took money out of my 401k for cares act. I put some back in by paying a loan off on my 401k. Is this considered a rollover since it went back in the same account?

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1 Replies
Expert Alumni
Feb 4, 2021 1:52:01 PM

No.  Since you use the money to pay off a legal binding debt, it is not considered a rollover and is a taxable distribution to you.  The loan is considered an asset of your 401K account.  Since you took the money and paid off the loan, just as if you would have paid off your car loan, then it is not treated as a rollover and is a taxable distribution from the plan.