need to withdraw from rollover IRA. Im 54 yo & have been on disability since 2019. Any way to skip the 10% penalty? any limits on many times I can withdraw per year ?

[CharlieSol]

my only income and is SSDI and it’s almost $40,000 per year. I have some money in my brokerage accounts, not a lot

[TomD8]

This IRS reference details the exceptions to the10% early withdrawal penalty:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-o...

[rjs]

You can withdraw from your IRA as many times as you want. All that matters is the total amount that you withdraw during the year. It makes no difference whether you make one big withdrawal or a lot of small withdrawals.

In the IRS information that TomD8 referred you to, note that total and permanent disability is one of the exceptions to the 10% penalties. See IRS Publication 590-B for the details of what is considered disabled for IRA withdrawals.

[CharlieSol]

Thank you very much to both of you! 
Should I communicate re my disability next year when I’m filing taxes? If yes, does Intuit have experts for helping re this matter? 
or should I communicate before withdrawal? 

[CharlieSol]

Thank you!!! ☺️