Making pre-tax contributions helps you lower your taxable income each year that you contribute. Because of these tax advantages, the IRS puts many restrictions on withdrawing this money before you reach retirement age. After-tax contributions are those you make from your net pay, your income after taxes. But the IRS also limits the amount you can contribute each year. The IRS can adjust this figure each year according to inflation.
Some plans also allow hardship withdrawals for other reasons.
Check with your benefits department. You will need to show your employer proof of how you intend to use the money, and proof that the amount you requested isn't more than enough to satisfy your need. Certain types of hardship withdrawals will no longer be eligible for rollover. Your plan's rules may vary, so be sure to check with your benefits office or call your company's dedicated Fidelity telephone number for more information. Employer contributions are subject to different limits.