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pthomann
Are there any exceptions to the 20% withholding rule for partcipants of a DB plan who rollover their contributions? For example: a DB plan member is issued a check at retirement directly from the pension plan and no tax is withheld. Are some government plans permitted to not withhold?
b2kates
lump sum distributions eligible for rollover are subject to mandatory 20% withholding IRC 3405©

If it is not rollover eligible then the 20% withholding does not apply.
pax
And don't forget that more states are jumping on the withholding bandwagon. This is a pretty good summary:
http://www.cigna.com/professional/pdf/CPA_iidw0201.PDF
But it may be out of date. For example, now NC and VA both have 4% withholding.
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