The payment you receive from your Pre-Tax Deferrals will be subject to mandatory withholding of 20% for federal income taxes. You can avoid mandatory withholding only if you arrange to have your benefit transferred directly to an IRA or an eligible retirement plan.
The payment you receive from your Roth Deferrals will be tax free assuming it is a qualified distribution. If it is not a qualified distribution the contributions paid in will be tax free but the earnings will be taxed. What is a qualified distribution:
• You have your Roth after-tax account open for at least 5 years, and
• You take your distribution after age 59 ½ or due to death or disability