hello and good day.i am new to this.10 months ago i had a stroke,and now i am receiving social security disability.i worked for 19 years at my last job.i have a 401A retirement account,thanks to my last employer.I am 51 years old.the account and money i have not touch it yet.i have a family and i am doing the homework to find what to do with that money the best way i could .i have several questions and if any one here can guide me I'll be grateful.if i move the whole amount from 401a to a bank IRA account,do i pay a penalty?,do i pay income tax on the amount been roll over,like take tax out the amount before transferring to IRA account? next year income tax filing,will i have to report the amount rolled over? is the amount rolled over consider as a income?.thanks