Do I have to pay extra tax on total distribution?

[tanya223]

My husband quit his job in 2017 at age 53, I was 55.I took a total distribution from a retirement account in 2018 that was in my name only.  I received a 1099 R  in my name only. Since it was in my name only will I have to pay additional tax or can we be excluded since there was a job separation (husband quit) when I was 55? It is not clear whether the person separating from job is the one who has to be be 55 or the spouse can be 55 or older 

[VolvoGirl · Accepted solution]

Sorry it is for each person separately.  It would have to be from his 401K and he had to be 55.  Or you had to leave your job over 55.

[VolvoGirl]

Plus it was in 2 different years.