Permanently disabled early partial ira distribution taxes deducted should all be refunded

[Lexifrise]

I'm 56 years old single no children  totally and permanently disabled since 2012 lost my home so I have no property credits etc I'm living with a family member my only source of income is social security I have federal and state tax taken out of mys social security payments as a precaution and I took out a partial  early distribution from my ira for medical and living expenses and I had taxes deducted from my distribution  I've read that if your disabled your social security is not subject to tax and I've read mixed answers about the early distribution I use the turbo tax free file program and in my opinion there should be some type of instructions you can go to if the questions are unclear to you but there does not seem to be one my question is should I receive all of the tax deducted from my social security and the federal tax I had deducted out of my early distribution refunded.   I've gone thru the free file and I'm getting some of the federal and state tax refunded but not all of it is there something I could be doing wrong in the program?  for the distribution code I used 3 which is disabled but I'm still only getting back around 1/3 of what the tax I had deducted.  I am getting back about the same amount that I did last year when I had the same circumstances I took out a partial distribution and only income is social security and had taxes deducted before I received the payments........another note I'm not able to itemize deductions I fill it all out but the program comes out saying that the 12000 deduction gives me a better refund because my deductions are not high enough.   Thank you for any insight you can provide I cant afford to pay to have my taxes done 

[MinhT1]

If you are permanently disabled, you are exempted from the early withdrawal penalty of 10%, but you still have to pay income tax on the amount of your IRA distributions. This is the reason why you are not receiving a full refund of your taxes withheld.

As your itemized deductions are smaller than the standard deduction of $12,200, TurboTax has used the standard deduction to give you a larger tax break.

[Lexifrise]

just so I'm understanding correctly people pay income tax and a 10 % penalty on early withdrawls  but since I'm disabled I dont have to pay the 10% but I have to pay taxes on the withdrawl amount because when I was working and putting the money into the savings I wasnt paying taxes on it so when I take it out I have to pay taxes on it then is that right?  

[DoninGA]

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@Lexifrise wrote:

just so I'm understanding correctly people pay income tax and a 10 % penalty on early withdrawls  but since I'm disabled I dont have to pay the 10% but I have to pay taxes on the withdrawl amount because when I was working and putting the money into the savings I wasnt paying taxes on it so when I take it out I have to pay taxes on it then is that right?  

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You understand correctly.

[Lexifrise]

Thank you so much I really appreciate both of your help I've been struggling so much trying to get these taxes done.