Um, they did this up to $100k. Also, if 55 or older, and leaving employment permanently, I believe thre are no longer penalties at all - i.e. it removes the 59 1/2 requirement as long as you never work again.
The IRA is 591/2 unless you you follow the 72t Rules. 401K, 457, and 403B have to meet the Rule of 55.