IRAs and 401(k)s are different and the difference is important.
You can't withdraw money from a 401(k) if you are still working for the plan sponsor, although you can take a loan. (Loans must be paid back via payroll deductions to be legal.) You can withdraw from a 401(k) if you no longer work for the plan sponsor, and you can't take a loan if you don't work for them. You can withdraw from an IRA at any time but you may owe a penalty. You generally can't take a loan from an IRA.
If you have a loan from a 401(k), no 1099-R is issued and no tax is owed as long as you pay the loan back. A loan is not taxable income unless you default on your payments.
If you made a withdrawal from either a 401(k) or an IRA (or both) then you must receive a 1099-R from the plan sponsor by January 31 of the year after the withdrawal and you must report it on your tax return for that year. Check your account online or call the plan trustee -- they may have issued the 1099-R online and you need to download it, or it was lost in the mail. You will need to file an amended tax return to report it.
All monies withdrawn from a 401(k) or IRA are always subject to ordinary income tax. There is a 10% penalty for early withdrawal if you are under age 59-1/2 (or under age 55 if the plan is a 401(k) and you no longer work for the sponsor). The disaster zone rule gives you an exemption from the 10% penalty but not from the ordinary income tax.
Start by verifying your situation and getting the documents from the plan trustee.
