“vesting” is the operative word. I’m no expert, but it’s not really yours until it’s vested.
You’ll want to find out all the gory details of the vesting schedule.
Thanks to all. He IS fully vestedl that’s why I don’t understand. But, this employer has changed the rules so many times over the years we don’t know what the heck is going on. Good advice. We’ll check with the company who administers the plan for the company. I’m just in shock right now. Almost 1/2 our retirement that we had planned on may be gone if she is correct about the way the employer has this set up.