Yes you should file. He may be working -- are you sure his accident is 'for real'? If you don't need it for living expenses save it for your daughters education!

I think this has to do with fear of aging.  Do you ever dream of losing teeth?  That is also a fear of getting older.

Yes, you can withdraw and pay income tax.  You may want to talk to a tax accountant so he can figure an estimate of the taxes you would pay --- compare tax rate of withdrawing all the money now compared to taking distributions over several years.     If you are still working, that will affect your … Read more