Yes! You can use AI to fill out Request for Distribution from Your 457(b) Governmental Plan
Form F11591 is a TIAA document used by participants in a 457(b) governmental plan to request a withdrawal of funds from their retirement account. It allows individuals to specify the distribution amount, handle tax withholding, manage loan repayments, and provide payment instructions. Completing this form accurately is crucial for accessing retirement savings in a timely manner. 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: | Request for Distribution from Your 457(b) Governmental Plan |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out F11591 Online for Free in 2026
Are you looking to fill out a F11591 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your F11591 form in just 37 seconds or less.
Follow these steps to fill out your F11591 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the TIAA Form F11591, 'Request for Distribution from Your 457(b) Governmental Plan'.
- 2 Provide your personal details in Section 1, including your name, Social Security Number, and contact information.
- 3 Enter your TIAA contract and plan numbers in Section 2. The AI can help locate and populate this information from your statements.
- 4 Specify your withdrawal preferences, including the amount (Sections 7 & 8), tax withholding elections (Section 6), and how to handle any outstanding loans (Section 3).
- 5 Indicate your payment instructions in Section 10, choosing between direct deposit to a new or existing bank account or receiving a check by mail.
- 6 Review all the information auto-filled by the AI for accuracy, then securely sign and date the form in Section 11 to authorize the transaction.
- 7 Download the completed form and submit it to TIAA via upload, fax, or mail, ensuring the Employer's Plan Representative Signature in Section 12 is completed if required.
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 F11591
This form is used to request a distribution, which is a one-time or systematic withdrawal, from your 457(b) governmental retirement plan account.
You should use this form if you are a participant in a 457(b) governmental plan and wish to take a distribution. This form is not for unforeseen emergency withdrawals, for which you must call TIAA to get the correct form.
Your Plan and Sub Plan numbers should be on your quarterly TIAA statement. If you cannot find your statement, you should call TIAA at 800-842-2252 for assistance.
Generally, distributions from 457(b) governmental plans are not subject to the 10% federal early withdrawal penalty. However, if you have rolled non-457(b) funds into your account, those specific funds may be subject to the penalty.
For most withdrawals paid directly to you, TIAA is required to withhold a mandatory 20% for federal taxes. For certain non-rollover distributions like an RMD, the default withholding is 10%, but you can elect a different amount.
For a new bank account, you must provide an original voided check, an original notarized letter from your bank, or a bank-generated setup form. You can mail the original document or upload a photo of it via the TIAA mobile app or website.
Yes, if you have separated from service, your employer's plan representative must complete and sign Section 12. Your withdrawal request cannot be processed without this authorization if it is a requirement for your plan.
The fastest way to submit is by uploading the completed form and documents through the TIAA mobile app or on TIAA.org. You may also fax or mail the form using the contact information provided on the last page.
If you do not specify which investments to use for the withdrawal, the amount will be taken proportionately from all available funds in your account.
Yes, Section 3 allows you to use the funds from your withdrawal to repay all or some of your outstanding annuity loans. This loan repayment is a taxable event and will reduce your final withdrawal amount.
If you changed your address with TIAA in the last 14 days, you must either wait 14 days to submit the form or include a Bank Letter with your submission. This is a security measure to protect your account.
No, this form is not valid for withdrawals from a TIAA Traditional Account. You must call TIAA directly to obtain the separate forms required for that specific account type.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your personal information, which can save you time and help reduce errors.
Simply upload the PDF to the Instafill.ai platform, and its AI will make the document fillable. You can then type your information once and have it populated throughout the form, which you can then download, print, and sign.
If your PDF is not interactive, you can use a service like Instafill.ai to instantly convert the flat PDF into a fillable form. This allows you to easily type your answers directly into the fields online.
Compliance F11591
Validation Checks by Instafill.ai
1
SSN/TIN Format and Requirement
This check verifies that the Social Security Number/Taxpayer Identification Number in Section 1 is present and formatted correctly as a nine-digit number. This number is essential for identity verification and mandatory for tax reporting purposes to the IRS. A missing or invalid number will prevent the processing of the distribution request and will require the user to correct the form.
2
Contract and Plan Number Validation
This validation ensures that the TIAA Number, Plan Number, and Sub Plan Number provided in Section 2 correspond to an active and valid account in the system. This is critical to ensure the distribution is requested from the correct account and belongs to the individual submitting the form. If the numbers do not match an existing account, the request will be rejected to prevent unauthorized or incorrect transactions.
3
Conditional Loan Number Requirement
This check is triggered if the user selects 'OPTION 3: Repay one outstanding loan balance' in Section 3. It verifies that the 'Loan Number' field is not empty and that the provided number corresponds to an actual, outstanding loan associated with the user's account. Failure to provide a valid loan number will result in an incomplete request, as TIAA cannot identify which loan to repay from the distribution proceeds.
4
Roth Accumulation Withdrawal Logic
This validation ensures that if a user answers 'Yes' to having Roth accumulations in Section 4, they must also select one of the subsequent options specifying how Roth funds should be handled in the withdrawal. This choice is mandatory to remove ambiguity and ensure the distribution is processed according to the user's tax preference. Answering 'Yes' without specifying the withdrawal treatment will cause the form to be considered incomplete.
5
Conditional Spouse Birth Date for RMD Calculation
This check applies if the user requests TIAA to calculate their Required Minimum Distribution (RMD) in Section 5 and indicates they are married. It validates that the 'Spouse’s Date of Birth' is a complete and valid date. This information is crucial for the IRS Uniform Lifetime Table calculation, and its absence or invalidity would prevent TIAA from accurately calculating the RMD amount.
6
Federal Tax Withholding Percentage Minimum
This validation confirms that if a user elects a fixed percentage for federal tax withholding in Section 6, the entered value meets the required minimum. For rollover-eligible withdrawals, the percentage must be 20% or greater, and for non-rollover eligible withdrawals, it must be 10% or greater if that option is chosen. This check prevents under-withholding and ensures compliance with tax regulations, avoiding processing delays.
7
Mutually Exclusive Withdrawal Amount Selection
This check verifies that in Section 7, the user has selected only one of the primary withdrawal options: 'OPTION 1: Withdraw entire amount', 'OPTION 2: Withdraw only a portion', or 'OPTION 3: Systematic Withdrawal'. Selecting more than one option creates a conflicting instruction that makes the request impossible to process. The form must be rejected if multiple options are chosen to force the user to clarify their intent.
8
Future Processing Date Validity
This validation applies if a user specifies a 'FUTURE DATE' for the withdrawal in Section 7. The check ensures the provided date is a valid calendar date and is in the future, not in the past or the same day as submission. This prevents logical errors and ensures the transaction is scheduled correctly according to the participant's request.
9
Investment Allocation Exclusivity Check
This check examines each row in Section 8, 'WITHDRAWAL FROM INVESTMENTS', to ensure that for any given fund, the user has entered either a specific dollar amount or a percentage, but not both. Providing both values for a single fund creates a contradiction. The form would be considered 'not in good order' until the user clarifies which instruction to follow.
10
Investment Allocation Percentage Sum
If the user specifies withdrawal amounts as percentages in Section 8 and is withdrawing their entire account balance, this check validates that the percentages sum to exactly 100%. This ensures the entire account is distributed as intended without leaving residual amounts or creating an overdraft. A sum other than 100% would indicate a user error and halt processing.
11
Systematic Withdrawal Date Chronology
For users establishing systematic withdrawals in Section 9, this validation ensures the 'Start Date' and 'Stop Date' are valid and logical. The 'Start Date' must be in the future, and the 'Stop Date', if provided, must be chronologically after the 'Start Date'. This prevents the setup of an impossible payment schedule and ensures the system can execute the recurring payments correctly.
12
Signature and Date Requirement
This is a critical check to verify that the applicant has signed and dated the form in Section 11. The signature legally authorizes TIAA to perform the transaction, and the date establishes when the authorization was given. A missing signature or date renders the entire request invalid and legally non-binding, forcing an immediate rejection of the form.
13
Conditional Employer Authorization Requirement
This validation determines if the 'PLAN REPRESENTATIVE APPROVAL' in Section 12 is required based on the user's answers and the specific rules of their 457(b) plan. For example, an in-service withdrawal or recent separation from service often requires employer sign-off. If authorization is required but the section is incomplete, TIAA cannot process the withdrawal, as it would violate the plan's terms.
14
Separation of Service Date Logic
If the employer representative completes Section 12 and provides a 'Separation of Service Date', this check validates that the date is a valid date in the past. A future or invalid date would be a logical error, indicating a mistake on the form. Correcting this is necessary to accurately determine withdrawal eligibility and for proper record-keeping.
Common Mistakes in Completing F11591
Applicants often overlook Section 2, assuming their name and SSN are enough to identify their account. These numbers are crucial for locating the specific plan for withdrawal, and their omission will cause significant processing delays while TIAA seeks clarification. To avoid this, locate your Plan and Sub Plan numbers on a quarterly statement before starting the form. AI-powered tools like Instafill.ai can help by auto-populating these details from your account information, preventing omissions.
Applicants frequently miss Section 12, assuming their own signature is sufficient. If you have separated from service, your former employer's representative must sign to approve the distribution, and failing to secure this signature will halt the entire process. Always confirm if your withdrawal reason requires employer approval and obtain the signature before submitting the form. Since this form is a non-fillable PDF, a tool like Instafill.ai can convert it into a fillable version and highlight required signature fields so they are not missed before printing.
In an effort to be efficient, individuals may digitally sign the PDF using common software like Adobe Acrobat. The form explicitly states in Section 11 that non-TIAA digital signatures are not accepted, which will cause the form to be rejected as 'not in good order'. To prevent this, you must either print and physically sign the form with ink or use TIAA's official online submission portal. Using Instafill.ai can make the PDF fillable, but you must still print it for a valid wet signature.
Section 6 has separate, complex rules for rollover and non-rollover withdrawals. An applicant might select a 10% withholding rate when the mandatory 20% for a rollover-eligible withdrawal applies, leading to an incorrect amount being withheld and an unexpected tax bill. This can result in significant tax liability and potential underpayment penalties from the IRS. Using an intelligent form filler like Instafill.ai can help guide you to the correct section based on your withdrawal choices, reducing the chance of error.
When setting up a new direct deposit in Section 10, people often send photocopies of checks or incomplete bank letters. The form strictly requires an original voided check or a fully detailed and notarized bank letter, and any deviation will cause TIAA to default to mailing a physical check, delaying your access to funds. Ensure your documentation perfectly matches the requirements before mailing; AI tools like Instafill.ai can ensure the corresponding bank details on the form itself are entered without typos.
In Section 8, applicants may mistakenly enter both a dollar amount and a percentage for the same fund, or use fractional percentages when whole numbers are required. This ambiguity forces TIAA to contact the applicant for clarification, delaying the transaction and the distribution of funds. You must choose either a specific dollar amount OR a whole number percentage for each fund; an AI form filler like Instafill.ai can enforce these rules, preventing you from entering conflicting data.
This is one of the most common and easily avoidable errors that immediately invalidates the entire request. Overlooking the signature and date fields in Section 11 means the form is not 'in good order' and will be rejected, forcing you to restart the process. Smart form fillers like Instafill.ai automatically highlight all mandatory fields, including signatures, to ensure nothing is missed before you finalize and print the document.
The notice on the first page states this form is not for unforeseen emergencies or changes to systematic withdrawals. Applicants in a hurry may use this form incorrectly, only to have their request rejected after submission, wasting valuable time. Always read the initial instructions to confirm you have the correct form for your specific situation before filling it out. A comprehensive platform like Instafill.ai can help users find the exact form they need, preventing them from starting with the wrong one.
Applicants are often confused by the Required Minimum Distribution (RMD) rules in Section 5. They may fill it out when they are not yet 70.5, or forget to complete it when they are, leading to incorrect distribution amounts and potential tax penalties. An intelligent form filler like Instafill.ai can use your date of birth to conditionally show or require the RMD section, preventing this common mistake.
The instructions on the final pages state to 'return ALL numbered pages including any pages you did not need to complete.' People often only send the pages they filled out, which renders the submission incomplete. This will cause a processing delay as TIAA will have to request the complete package. Always ensure you upload, fax, or mail the entire 7-page document.
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