@lookingforward I do not think any of the distribution was used for things other than bills. I don’t know what qualifies this distribution as a special circumstance, but my father was the only one receiving an income from work. My mother was on disability and lost her job at the beginning of 2020. I don’t think my mother will be able to find another job, as she suffers from a life-long disability. I’m pretty sure the distribution was a hardship withdrawal.
I reran the NPCs with taking into consideration the minimum amount my parents have in assets, and it rose to $20,000. The reason it may be low is that my parents do not really have any assets. They don’t have any savings, and they have a very small amount in their checking accounts.