Yes! You can use AI to fill out Separation from Employment Withdrawal Form

The instructions explicitly state that corrections must be made by crossing out the error and initialing the change. Many people instinctively reach for correction fluid or tape (white-out), which is not acceptable and will lead to the form being rejected. This happens because it's a common habit, but financial forms require a clear audit trail of any changes. To avoid this, carefully review your entries before writing, and if a mistake is made, use a single line to cross it out and write your initials next to the correction.

Users often try to write their new address on the withdrawal form, assuming it will update their account. However, the form clearly states it cannot be used for address changes and that checks will be sent to the address already on file. This security measure prevents fraud but can result in payments being sent to an old address, causing significant delays and potential loss of funds. Before submitting, you must verify your address online or call the provided number to make any necessary changes.

In Step 3, when selecting a rollover, individuals often forget to provide the complete name of the new institution and, most critically, the new account number. This frequently occurs because the user has not yet opened the destination IRA or employer plan account before filling out the form. A missing account number will halt the process, as the rollover check cannot be properly issued. Always establish your new rollover account first and have the details ready before completing this section.

In Step 4, the form defaults to a 20% federal tax withholding and asks if you want to add an 'EXTRA' amount. A common error is entering the total desired withholding (e.g., 30%) instead of just the additional amount (e.g., 10%). This results in a much larger tax withholding than intended (e.g., 20% + 30% = 50%), significantly reducing the net payment received. To avoid this, calculate only the amount you want withheld *in addition* to the mandatory 20% and enter that figure.

In our increasingly digital world, it's easy to overlook the requirement for a physical, handwritten signature. The form explicitly states 'An original, handwritten signature is required,' but users may forget to sign, use a typed font, or apply a digital signature image. Any signature other than a wet ink signature will cause the form to be rejected, delaying the entire withdrawal process. Always print the form and sign it by hand in the designated box before submission.

Choosing the electronic deposit (ACH) option in Step 5 is convenient, but it only works if your bank account information has been on file and verified for at least 15 days. People often select this option assuming they can add their bank details with the form, which is not allowed for security reasons. If the account isn't pre-verified, the request will default to a check sent via regular mail, delaying access to funds and negating the speed of an electronic transfer. Verify your banking information is on file well before submitting the form.

The form requires the full nine-digit SSN on the first page but only the last four digits on all subsequent pages. Applicants sometimes forget to enter the last four digits on later pages or mistakenly enter the full SSN on every page. This inconsistency can cause processing delays as the pages are verified. AI-powered tools like Instafill.ai can help prevent this by automatically populating the correct format on each page after the initial entry.

Certain situations require additional documents, which are often overlooked. For example, non-U.S. citizens must submit a completed IRS Form W-8BEN to avoid a default 30% tax withholding. Similarly, individuals wanting a specific state tax withholding amount may need to attach their state's official tax form. Forgetting these attachments will delay the request until the missing documents are received, potentially causing tax and payment complications.

In Step 3, when requesting a partial withdrawal or rollover, the form instructs users to choose either a percentage or a specific dollar amount, but not both. A common mistake is to fill in both fields, creating ambiguity for the processor. This forces the processing agent to either return the form for clarification or follow a default rule you may not have intended, delaying your request. To avoid this, decide on one format—percentage or dollar amount—and leave the other field blank.

The instructions specify to 'Return all pages that include this bar code.' Many people mistakenly believe they only need to send back the pages they filled out, such as the signature page. However, the barcode on each page is crucial for automated document scanning and processing. Submitting an incomplete set of pages can cause the entire package to be flagged as incomplete, requiring you to resubmit the entire form and starting the process over. Since this form is a non-fillable PDF, a tool like Instafill.ai can convert it into a fillable version, making it easier to manage and ensure all necessary pages are saved and submitted together.