We've had a lot of questions on recent articles regarding 401k and 403b withdrawals.  Many people didn't realize that paperwork may be required on their plans.  These forms are sent or faxed to you and require your signature.  You'll have to return those forms and that can be time consuming.  

Every plan has different rules.  If you're close to retirement or age 59 1/2... call your custodian and ask about your withdrawal options.