Yes! You can use AI to fill out Equitable Hardship Withdrawal Request (Form E13770)
The Equitable Hardship Withdrawal Request (Form E13770) is a document used by participants in an Equitable-managed retirement plan to apply for a withdrawal based on an immediate and heavy financial need. This form is crucial for accessing funds for qualifying reasons such as preventing foreclosure, paying for medical bills, or covering tuition, and must be completed accurately to ensure timely processing. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | Equitable Hardship Withdrawal Request (Form E13770) |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out E13770 Online for Free in 2026
Are you looking to fill out a E13770 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your E13770 form in just 37 seconds or less.
Follow these steps to fill out your E13770 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Hardship Withdrawal Request form, or select it from the platform's template library.
- 2 Use the AI assistant to fill in your personal details in Section 1, such as your name, Social Security Number, address, and employer information.
- 3 In Section 3, select the checkbox that corresponds to your specific reason for the hardship withdrawal.
- 4 Specify the amount you wish to withdraw in Section 4 and choose your preferred payment delivery method (e.g., direct deposit, mail) in Section 5.
- 5 Complete the Federal and State Tax Withholding elections in Section 6 to instruct Equitable on how to handle taxes for your distribution.
- 6 Review all sections for accuracy, then electronically sign and date the form in Section 7. Ensure the Spousal Consent (Section 8) and Plan Administrator signature sections are completed if required.
- 7 Download the finalized document and submit it to Equitable according to the mail or fax instructions provided on the form.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form E13770
This form is used to request a withdrawal from your retirement plan account due to an immediate and heavy financial need, as defined by your plan and IRS regulations.
You may be eligible if you have a qualifying financial need and have already obtained all other available distributions, including loans, from your employer's plans.
Valid reasons include purchasing a principal residence, paying for tuition, covering certain medical or funeral expenses, preventing eviction, or repairing damage to your home. Section 3 of the form lists all seven qualifying reasons.
You can request a specific dollar amount or the total available, but the withdrawal cannot be more than the amount necessary to satisfy your financial need, including any associated taxes.
Spousal consent is required if you are married and the funds are from a Money Purchase Plan. If required, your spouse's signature must be witnessed by a Notary Public or a Plan Representative.
Yes, there is a $50.00 fee per withdrawal. If you choose Express Delivery for your check, an additional $35 fee will be deducted from your proceeds.
You can receive a check by mail (5-10 business days), express delivery (5-7 business days), or direct deposit (5-7 business days). Processing times begin after the form is received and approved.
For direct deposit, you must provide your bank's routing and account numbers on the form and attach a voided personal check for verification. Failure to attach a voided check will result in payment by mail.
Yes, hardship withdrawals are taxable income. By default, 10% will be withheld for federal income tax, but you can elect a different amount or no withholding in Section 6.
You can mail the form to the PO Box listed in Kansas City, MO, or fax it to (816) 218-0412. An overnight street address is also provided on the form.
The form requires your signature, your Plan Administrator's signature, and your spouse's signature if spousal consent is necessary for your plan.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your information, which can save you time and help prevent errors.
You can use a service like Instafill.ai to upload the PDF and fill it out online from any device. The platform makes it easy to enter your information, select options, and prepare the form for submission.
If your PDF is a flat, non-fillable scan, you can upload it to a service like Instafill.ai. It will automatically convert the document into an interactive, fillable form for you to complete online.
Compliance E13770
Validation Checks by Instafill.ai
1
Social Security Number Format
This check ensures the Social Security Number in Section 1 is provided and follows the valid 9-digit format (XXX-XX-XXXX or XXXXXXXXX). This is critical for correct taxpayer identification, processing the withdrawal, and reporting to the IRS. A failure in this validation would prevent the request from being processed due to inability to verify the participant's identity.
2
Date of Birth Validity
Validates that the Date of Birth in Section 1 is a complete and logical date (e.g., MM/DD/YYYY). This is used to verify the participant's identity against plan records and ensure they meet any age-related eligibility requirements. An invalid or missing date of birth will halt processing until corrected.
3
Single Hardship Reason Selection
Verifies that exactly one checkbox is selected in Section 3, 'Reason for Request'. Selecting multiple reasons or no reason creates ambiguity and may not comply with plan rules for documenting a specific financial need. If this check fails, the form must be returned to the participant for clarification.
4
Mutually Exclusive Withdrawal Amount
Ensures that in Section 4, 'Amount of Withdrawal', the participant has selected either the 'Total available' checkbox OR entered a specific dollar amount, but not both. This prevents ambiguity in the withdrawal instruction and ensures the correct amount is disbursed. A failure would require clarification before the withdrawal can be processed.
5
Specific Withdrawal Amount Format
If a specific dollar amount is entered in Section 4, this check validates that the value is a positive number. This prevents data entry errors, such as text or negative numbers, from being submitted. An invalid format would cause the request to be rejected.
6
Single Delivery Option Selection
Confirms that only one delivery option (First Class Mail, Express Delivery, or Direct Deposit) is selected in Section 5. The form explicitly requests only one option be chosen to avoid confusion and errors in payment delivery. If multiple or no options are selected, the form defaults to First Class Mail, but it's better to flag for confirmation.
7
Direct Deposit Completeness and Attachment
If 'Direct Deposit' is selected in Section 5, this validation confirms that all required banking fields (Routing Number, Account Number, Bank Name, etc.) are filled out and that a voided check is attached. Missing information or the lack of a voided check will prevent the electronic transfer, causing the payment to default to a physical check mailed to the address of record.
8
Bank Routing Number Validity
Validates that the 'Bank ABA / Routing #' provided for Direct Deposit is exactly 9 digits long. This is a critical check as an incorrect routing number will cause the Automated Clearing House (ACH) transfer to fail or be misdirected. A failure here would prevent the direct deposit from being processed.
9
Single Federal Withholding Election
Verifies that exactly one checkbox is selected in Section 6, 'Federal Tax Withholding'. This choice is required by the IRS to determine the correct tax withholding amount from the distribution. If no box or multiple boxes are checked, the system must apply the default 10% withholding, which may not be what the participant intended.
10
Conditional W-4R Form Attachment
If the participant elects to have federal tax withheld at a rate indicated on an IRS Form W-4R, this check verifies that the W-4R form is attached to the submission. Without the attached form, the specified rate cannot be used, and the request will be processed with the default 10% withholding. This ensures compliance and accurate tax handling.
11
Participant Signature and Date Presence
Confirms that the participant's signature and the date of signature are both present in Section 7. The signature legally authorizes the withdrawal and certifies the information provided is accurate. A missing signature or date invalidates the entire request, and it must be returned to the participant.
12
Spousal Consent Requirement Logic
This check cross-references the 'Are you married?' field in Section 1 with the plan's rules. If the participant is married and the plan requires spousal consent, it verifies that Section 8, 'Spousal Consent', is fully completed. This is a crucial legal check to protect spousal rights under the plan and federal law, and failure to comply can have serious legal consequences.
13
Spousal and Witness Signature Date Consistency
If the Spousal Consent section is completed, this validation ensures the spouse's signature date and the witness's (Notary or Plan Rep) signature date are identical. The form explicitly states this requirement to prove the signature was properly witnessed. A mismatch in dates invalidates the consent and will delay the withdrawal request.
14
Plan Administrator Signature Presence
Verifies that the 'Signature of Plan Administrator' and date are present at the end of the form. This signature certifies that the request meets plan requirements and that the administrator has no knowledge contrary to the participant's claims. A missing administrator signature means the request is not fully authorized and cannot be processed by the financial institution.
Common Mistakes in Completing E13770
Applicants often select the Direct Deposit option in Section 5 but forget to include the required voided check. This happens because they focus on filling out the form fields and overlook the instruction for attachments. Without the voided check, the request cannot be processed as requested and will default to a physical check sent via First Class Mail, significantly delaying access to funds.
Manual data entry of long numeric strings like bank account and routing numbers is prone to transposition errors. A single wrong digit can cause the electronic transfer to fail or, in a worst-case scenario, be sent to the wrong account. To avoid this, double-check the numbers against your check and consider using a tool like Instafill.ai, which can help validate number formats and reduce manual entry errors.
If a participant is married and their plan requires it, they often fail to have their spouse sign Section 8, or they miss getting the signature witnessed by a Notary or Plan Representative. This step is often missed because it requires coordination with two other people. An incomplete Spousal Consent section will halt the processing of the withdrawal until the form is properly completed and resubmitted.
Participants frequently skip Section 6, assuming it's optional or not understanding the implications. If no selection is made, the plan administrator will apply a default 10% federal tax withholding. This can result in a smaller net payment than expected and may not be sufficient to cover the participant's actual tax liability, potentially leading to a surprise tax bill and penalties later.
Forgetting to sign and date the form in Section 7 is one of the most common and critical errors. People often review the information they've entered but miss the final step of authorization. An unsigned or undated form is legally invalid and will be immediately rejected, forcing the applicant to restart the entire submission process.
In Section 1, applicants sometimes overlook the checkbox for marital status. This simple question is critical because it determines whether the Spousal Consent in Section 8 is required. Leaving it blank creates ambiguity and forces the processor to either reject the form or follow up for clarification, causing unnecessary delays.
When filling out a printed PDF by hand, information such as names, addresses, and account numbers can be difficult to read. This happens due to rushing or poor penmanship, leading to data entry errors by the processor. To prevent this, it is best to fill out the form electronically. If the form is a non-fillable PDF, a service like Instafill.ai can convert it into a fillable version, ensuring all entries are clear and legible.
In Section 4, applicants may create confusion by checking both the 'Total available' box and writing a specific dollar amount, or by leaving the entire section blank. This ambiguity makes it impossible for the plan administrator to know the participant's true intent. The form will be returned for correction, delaying the withdrawal process.
The participant may complete their portion of the form perfectly but forget to forward it to their Plan Administrator for the required signature in Section 7. This signature certifies the validity of the hardship need and is mandatory for processing. Submitting the form without this authorization will result in an automatic rejection and require re-coordination with the employer.
In the tax withholding section, a user might check the box to specify a custom withholding rate using an IRS Form W-4R but then fail to attach the actual W-4R form. This is a common oversight similar to forgetting the voided check. As a result, the custom request is ignored, and the withdrawal defaults to 10% withholding, which may not align with the participant's financial planning.
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