One option is to just leave it where it is - you are allowed to do that since you've been contributing for awhile. The law says you may leave it there. In addition, now is probably not the best time to pull anything out. I just looked at my quarterly 401k statement and I lost over 10K in just 3 months. If you can let it sit awhile, it will recover.

Please don't make any sudden moves with this money - it can really cost you in the end. The penalties are huge if you withdraw before retirement age. Your best bet is not to touch this at all until you reach retirement. Forget you have it and leave it alone. You will lose an automatic 30% if you have to use it before you reach retirement (penalty plus taxes). I had to do it once and I was very sorry to have lost so much.

Short term might say that you want to have this money available - but long term....you don't want to be eating cat food when you're 60 years old.

This money has no effect whatsoever on disability. Disability is only based on if you can work or not - not how much money you have in the bank. Whatever you do, please don't withdraw it and put it in your checking account. If you do roll it into a fidelity account, and you want it to make any money, don't use a money market. A money market is fairly safe, but it won't even keep up with inflation. If you are prepared for some volatility then a mutual fund is a good bet. I like Vanguard - their fees are always low which is very important to me in the long run.

I may be preaching, but investing is very important to me. I've done it since my very first job and DH and I intend to retire at around age 50. Whatever you can do to let that money sit and grow for the next 30 years will really pay off in the end.