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If you qualify for a hardship withdrawal, please provide supporting documentation, fill out the following form and send to support@epitec.com where our Plan Administrator will sign and send over to ADP (adprs.eforms@adp.com). 

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Qualifying expenses: A hardship distribution may be made to satisfy certain immediate and heavy financial needs that you have. A hardship distribution may only be made for payment of the following:

 Expenses for medical care (described in Section 213(d) of the Internal Revenue Code) previously incurred by you, your spouse, your dependents or your beneficiaries or necessary for you, your spouse, your dependents or your beneficiaries to obtain medical care.
 costs directly related to the purchase of your principal residence (excluding mortgage payments).
tuition, related educational fees, and room and board expenses for the next twelve (12) months of post-secondary education for yourself, your spouse, your dependents or your beneficiaries.
 amounts necessary to prevent your eviction from your principal residence or foreclosure on the mortgage of your principal residence.
 payments for burial or funeral expenses for your deceased parent, spouse, children, other dependents or beneficiaries.
 expenses for the repair of damage to your principal residence that would qualify for the casualty deduction under the Internal Revenue Code.

 Credit card/car payments/regular rent would not qualify for a hardship withdrawal. 
 You will only get approved for the amount of the qualifying bills.  



To determine whether a Participant is entitled to a hardship distribution, a beneficiary is someone you designate under the Plan to receive your death benefit who is not your spouse or dependent.

If you have any of the above expenses, a hardship distribution can only be made if you certify and agree that all of the following conditions are satisfied:

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