Early Withdrawal From Tradional IRA Due To Disability

I read on several websites that a person under age 59 1/2 can take a penality free early withdrawal/distribution from a traditional IRA if considered disabled. I am 58 1/2 years old and am considered disabled and currently receiving SSDI benefits.

In addition I received a lump sum amount from a workers comp insurance company a couple years ago. The workers comp. lump sum settlement represented $501 per month for my life expectancy. Some websites say IRS rules say that disability may be different than a person's SSDI status.

They also say a doctor needs to provide a letter stating that I am permanitaly disabled, etc. Can't I just attach a copy of my SSDI status and documentation from the workers comp insurance company to my tax return to show I'm eligable for the penality free withdrawal.

Doctors seem to hate to write letters (probably especially for the IRS) regarding patients. The doctors would know I'm on SSDI because they already filled out questionaires and forwarded medical records.

The doctors would wonder why the SSDI status wouldn't just be good enough for the IRS and if the IRS considers different language to meet the disability status why should he the doctor have to read into the IRS requirements and put himself on the line.

And what is this 'sudden disability" term sometimes used sometimes in what I'm reading. Is that different than being at the disability status of currently receiving SSDI? Thanks

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