I know that Covid is considered a natural disaster but should I check yes to being effected even if I was not effected financially?

[DMarkM1]

To qualify for the favorable tax treatment of a retirement distribution the following must be true.

Qualified Individual: The distribution was made to a qualified individual. A qualified individual meets at least one of the following characteristics:

• You, your spouse, and/or dependent was diagnosed with the virus SARS-CoV-2 or with coronavirus disease 2019 (collectively referred to as coronavirus) by a CDC-approved test
• You, your spouse, and/or a member of your household (anyone who shares your main home) experience unfavorable financial consequences as a result of one of the following occurring due to coronavirus:
  • Begin quarantined, furloughed, laid-off or experiencing a reduction in work hours
  • Unable to work due to lack of childcare,
  • Closed or reduced hours of a business you owned or operated,
  • Reduced pay or self-employment income 
  • Job offer rescinded, or 
  • Job start date delayed