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Question

How do I find out if my employer’s 401(k) plan offers qualified long-term care distributions?

Answer

Contact your HR department or plan administrator to ask whether your employer has adopted the QLTCD provision under SECURE 2.0. Employers generally have until Dec. 31, 2027, to formally amend their plan documents to include this option, but some plans may already permit it on a good-faith basis.

Related FAQs

How do qualified long-term care distributions compare to paying LTC premiums with after-tax savings?

What qualifies as “certified” long-term care insurance under SECURE 2.0?

Can I use my 401(k) to pay for long-term care insurance without a penalty?
Insurance Solutions Disability Retirement Planning Long-Term Care Living in Retirement Healthcare & Medicare Health Conditions FAQs
Last Updated July 7, 2026
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