request for a payment from your investment solutions ... - TIAA-CREF

REQUEST FOR A PAYMENT
FROM YOUR INVESTMENT SOLUTIONS
TRADITIONAL, ROTH OR SEP IRA
For faster service, your
distribution and/or rollover
request can be completed over
the phone by calling us at:
800 842-2252
Monday to Friday
8 a.m. – 10 p.m. (ET)
Saturday
9 a.m. – 6 p.m. (ET)
You can also call us for:
- account information
- the status of your request
- answers to your questions
Or visit us online at
tiaa-cref.org 24 hours a
day. Have your user ID and
password ready.
IMPORTANT INFORMATION
Complete this form to request a withdrawal from your Investment Solutions Traditional, Roth or SEP IRA.
Print in upper case using black or dark blue ink and provide all information requested.
TAXATION OF WITHDRAWALS AND INCOME TAX WITHHOLDING
This information applies to U.S. citizens and resident aliens. U.S. citizens living outside the U.S. must elect
income tax withholding. Nonresident aliens must complete Form W-8BEN. If we did not include a copy, please
visit us online at tiaa-cref.org, or call us at 800 842-2252. Form W-8BEN is also available on the Internal
Revenue Service (IRS) website at irs.gov.
The IRS has different rules for the three types of IRAs TIAA-CREF offers. To identify the type of IRA you have,
look at the first two characters of your TIAA and CREF numbers. Listed below are the TIAA and CREF number
ranges for each type.
Traditional IRA Roth IRA SEP IRA
TIAA Number Begins with K9; N7-N9; NE-NF N2-N5; NA-NB N6; NC-NC9
CREF Number Begins with J9; T7-T9; TE-TF T2-T5; TA-TB T6; TC-TC9
FOR THE TRADITIONAL IRA AND SEP IRA
Your withdrawal is subject to ordinary income tax for the year in which you make the withdrawal, unless you
make a direct rollover.
FOR THE ROTH IRA
Your withdrawal amount is subject to optional income tax withholding, unless you make a direct rollover to
another Roth IRA. After five years, withdrawals from Roth IRAs are not subject to income tax withholding if
you are 59½ or older.
*Qualified higher education
expenses generally include
tuition, fees, books,
supplies, equipment, and
certain room and board
for the taxpayer, his/
her spouse, and children
or grandchildren of the
taxpayer or his/her spouse.
**IRS rules require that the
withdrawal be made in a
year in which you receive
at least 12 consecutive
weeks of unemployment
compensation or in the
year after you receive
such compensation.
TAX PENALTIES
Remember, if you are under 59½ when you make this withdrawal, you may be subject to a federal tax
penalty in addition to regular income taxes, unless:
• you make a rollover;
• the payment (up to $10,000) is for a qualified first-time home purchase;
• the payment is for qualified higher education expenses;*
• you meet the IRS rules pertaining to receipt of unemployment compensation and the withdrawal does not
exceed the amount paid during the taxable year for qualified health insurance coverage for yourself, your
spouse, and/or your dependents;**
• you are disabled as defined by the IRS.
TAXCCM
F10881 (12/13)

REQUEST FOR A PAYMENT
FROM YOUR INVESTMENT SOLUTIONS
TRADITIONAL, ROTH OR SEP IRA
Page 1 of 5
If you claim residence AND
citizenship outside the U.S.,
you must complete Form
W-8BEN in addition to this
form to certify your foreign
tax status. To print the
W-8BEN form, go to
www.tiaa-cref.org/forms,
and see General Tax forms.
1. PROVIDE YOUR INFORMATION
First Name
Last Name
Social Security Number/
Taxpayer Identification Number Contact Telephone Number Extension
X X X X X
Middle Initial
Suffix
State of Residence (if outside the U.S., write in Country of Residence)
Citizenship (if not U.S.)
Your account will be valued
as of market close on the
date we receive this form in
good order. If your request is
received after market close
on a business day, your
account will be valued at the
close of the next business
day.
2. TELL US WHICH IRA CONTRACT YOU WANT TO RECEIVE YOUR DISTRIBUTION FROM
The following contract:
TIAA Number
CREF Number
TIAA Number*
*This field only applies to those with both an “open” and “closed” TIAA contract in their IRA plan.
IMPORTANT
If you have an IRA with a “closed” TIAA contract please keep in mind that once you withdraw funds from
TIAA Traditional and/or TIAA Real Estate in your “closed” contract, you can’t move funds back into those same
accounts later, and funds distributed from TIAA Traditional will no longer receive the 3% guaranteed minimum
rate and any applicable additional amounts. New funds added to TIAA Traditional will go to the account in
your “open” TIAA contract, which has a guaranteed minimum rate between 1% and 3% (plus any applicable
amounts). If your withdrawal request is unclear as to which IRA contract (open/closed) funds are to be withdrawn
from they will be distributed proportionately across all investments within that IRA plan (Traditional, Roth, or SEP).
TAXCCM
F10881 (12/13)

REQUEST FOR A PAYMENT
FROM YOUR INVESTMENT SOLUTIONS
TRADITIONAL, ROTH OR SEP IRA
Page 2 of 5
3. TYPE OF WITHDRAWAL
ONE-TIME WITHDRAWAL
If you do not want these funds sent to you immediately, please specify the date you would like us to
process your withdrawal.
(mm/dd/yyyy)
/ /
RECURRING WITHDRAWAL
(mm/dd/yyyy)
Start initial payment on: / /
(mm/dd/yyyy)
Which day of subsequent month to start payments: / /
You can stop recurring
withdrawals at any time by
calling 800 842-2252.
When do you want to stop receiving recurring withdrawals
OR
When I have received the following number of payments
When there is no money remaining in designated funds. (Default if no selection is made.)
OR
(mm/dd/yyyy)
On the following date:
/ /
How often do you want to receive recurring withdrawals (Check one)
Monthly Quarterly Semiannually Annually
Complete this part to
request payment in specific
amounts from selected
accounts.
If your withdrawal
request is unclear as to
which IRA contract
(open/closed) funds are to
be withdrawn from they will
be distributed
proportionately across all
investments within that
IRA plan (Traditional, Roth,
or SEP).
4. TELL US HOW MUCH YOU WOULD LIKE TO WITHDRAW (CHECK ONE)
Tell us how much of the available amount you want to withdraw from each of your eligible accounts.
I want to withdraw the entire amount from all my accounts.
OR
I am requesting a partial amount from the following:
Fund/Account Name
Amount or percentage to be withdrawn
1
2
3
4
5
TAXCCM
F10881 (12/13)

5. DO YOU HAVE A REQUIRED MINIMUM DISTRIBUTION
OR
This is in addition to my required minimum distribution payment.
REQUEST FOR A PAYMENT
FROM YOUR INVESTMENT SOLUTIONS
TRADITIONAL, ROTH OR SEP IRA
Page 3 of 5
I want to include all applicable cash withdrawals I’ve already taken this year and have TIAA-CREF
calculate my required minimum distribution.
If you are married, is your spouse more than ten years younger than you and listed as sole beneficiary for the
plans listed in Section 2 (If you are not married, go to Section 6)
Yes
Spouse’s Name (please print)
(mm/dd/yyyy)
Date of Birth / /
No
If you answered YES, the Joint Life Expectancy method will be used to calculate your annual minimum
distribution amount.
To opt-out of this method, please check this box:
NOTE: If your spouse is not listed as your sole beneficiary or this section is not completed, TIAA-CREF will use
the Uniform Lifetime Table to calculate the minimum distribution for those contracts.
TAXCCM
F10881 (12/13)

REQUEST FOR A PAYMENT
FROM YOUR INVESTMENT SOLUTIONS
TRADITIONAL, ROTH OR SEP IRA
Page 4 of 5
6. PROVIDE PAYMENT INSTRUCTIONS
NOTE: If TIAA-CREF is unable to validate your bank account information for any reason, or you do not make a
selection below, we will automatically mail a check to your current address on file.
If you select direct deposit,
you will usually receive funds
within two (2) business
days once we have all the
required approvals and
documentation.
Please indicate where you would like us to send the money:
Direct Deposit to my bank account already on file:
Bank Name:
Account Number ending in:
The address listed on the
check or bank letter must
match your current address
on file at TIAA-CREF.
Direct Deposit to my new Checking Account:
Provide an original voided check. Starter checks, deposit slips and third-party checks are not acceptable.
Direct Deposit to my new Savings Account:
Provide documentation described in item A or B below.
A. An original voided check. Starter checks, deposit slips and third-party checks are not acceptable.
B. Letter from your bank with the following information:
• On bank letterhead
• Name on your account
• Address on your account
• Bank/ABA routing number
• Account number
• Bank stamp or seal from authorized bank personnel
If you choose to receive
a check, we send it by
standard U.S. Mail and
it may take up to 8 – 10
business days for you to
receive it.
Mail a check to my current address on file.
Note: To ensure your account is secure, we can’t send a check to a mailing address that has changed in
the last 14 days. So, if you’re requesting that we send the payment to your mailing address and you’ve
recently changed it, we may not be able to process your current request. Call us at 800 842-2252 so we
can discuss some of your options for completing your request.
TAXCCM
F10881 (12/13)

REQUEST FOR A PAYMENT
FROM YOUR INVESTMENT SOLUTIONS
TRADITIONAL, ROTH OR SEP IRA
Page 5 of 5
NOTE: This section is for use
by U.S. citizens and resident
aliens only.
Nonresident aliens must
complete Form W-8BEN. If
we did not include a copy,
visit us online at
tiaa-cref.org or call us at
800 842-2252. Form
W-8BEN is also available on
the IRS website at irs.gov.
7. TAX WITHHOLDING
FEDERAL TAX WITHHOLDING
For U.S. citizens residing in the U.S., the mandatory rate is 10% of the taxable amount. If you are a U.S. citizen
residing outside the U.S., you must elect income tax withholding.
YES, withhold the following amount for federal income taxes:
$ OR %
I choose NOT to have taxes withheld from my payment.
VOLUNTARY STATE TAX WITHHOLDING
If you are subject to mandatory state withholding, visit us online at tiaa-cref.org for the form or call us at
800 842-2252. If you are not subject to mandatory state withholding but would like to have state taxes
withheld from your payments, please tell us the amount below.
Withhold
% from my payments for voluntary income tax withholding for the state of
Please read, sign and date
where indicated.
8. YOUR SIGNATURE
By signing below:
You authorize TIAA-CREF to make withdrawals from your account balances with TIAA-CREF, as stated in this
form. If you receive distributions, such as dividends, return of capital, or a capital gains distribution, to an
account after you have requested a full transfer from it, that distribution will be paid to you.
If you requested that your withdrawal be directly deposited, you authorize that the bank charge your account
and refund any overpayments to TIAA-CREF. You release your bank from any liability to TIAA-CREF for
overpayment above the amount of the funds available at the time TIAA-CREF requests a refund.
Under penalties of perjury, you certify that:
1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number
to be issued to me); and
2. I am not subject to backup withholding because (a) I am exempt from backup withholding, or (b) I have
not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result
of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to
backup withholding; and
3. I am a U.S. citizen or other U.S. person.
Your Signature
Today’s Date (mm/dd/yyyy)
/ / 2 0
TAXCCM
F10881 (12/13)

RETURN COMPLETED FORMS PACKAGE TO:
REQUEST FOR A PAYMENT
FROM YOUR INVESTMENT SOLUTIONS
TRADITIONAL, ROTH OR SEP IRA
STANDARD MAIL: OVERNIGHT: FAX:
TIAA-CREF TIAA-CREF 800 914-8922
P.O. Box 1268
8500 Andrew Carnegie Blvd.
Charlotte, NC 28201-1268 Charlotte, NC 28262
If you are providing new bank information for direct deposit via EFT, please mail your original documents and
the completed form.
CHECKLIST
Did you remember to:
Complete all necessary personal information and indicate how much you want to withdraw.
Include an original voided check or bank letter with the completed forms package if you chose direct
deposit. (We cannot accept faxed copies.)
Sign and date this form.
Complete all necessary tax forms, if applicable.
FRAUD WARNING
FOR YOUR PROTECTION, WE PROVIDE THIS NOTICE/WARNING REQUIRED BY MANY STATES
This notice/warning does not apply in New York.
Any person who, knowingly and with intent to defraud any insurance company or other person, files
an application for insurance or a statement of claim for insurance benefits containing materially false
information or conceals, for the purpose of misleading, information concerning any fact material thereto,
commits a fraudulent insurance act, which is a crime and may be subject to criminal penalties, including
confinement in prison, and civil penalties. Such action may entitle the insurance company to deny or void
coverage or benefits.
Colorado residents, please note: Any insurance company or agent of an insurance company who knowingly
provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of
defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable
from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of
Regulatory Agencies.
Virginia and Washington, DC residents, please note: Any person who knowingly presents a false or
fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application
for insurance is guilty of a crime and may be subject to fines and confinement in prison.
TAXCCM
F10881 (12/13)