May I use as a IRA distribution? $3100 for expenses during 3 mo. FMLA/rcvd Short term disability 1 month and not enough money to pay bills including mortgage.

Although your 401(k) plan approved the hardship withdrawal, the withdrawal is still subject to tax.  It could also be subject to penalties, if you don't qualify for an exception.  Here is information on exceptions: What are the exceptions to the penalty for an early withdrawal from my 401(k)? The scenario you described sounds like it would qualify for the financial emergency exception, which is limited to $1,000 per year.

 

To report the withdrawal, here's how to do this in TurboTax Online:

 

• Navigate to Federal > Wages & Income > IRA, 401(k), Pension Plan Withdrawals (1099-R) Add/Edit
• Your withdrawal will be shown in a summary on a screen that says "Here's your 1099-R info"
• Choose "Continue"
• Continue through the interview until you arrive at a screen that says "Did you use your IRA to pay for any of these expenses?"
• If you qualified for an exception to the penalty, enter the information here. 

 

Here is an article you may find helpful: Can I make a hardship withdrawal from my 401(k)?

 

Also, a 401(k) is not an IRA, so if the distribution was from a 401(k), only the exceptions that are available for distributions from a qualified retirement plan would apply, not those that only apply to IRAs.  The page shown by MindyB is for distributions from an IRA.  The similar page for distributions from a 401(k) has a slightly different list.