There are a lot of things you can to if you decide to change jobs or when you retire.

-When retiring, you might choose this option if your spouse is still working or if you have other sources of retirement income .
-If you're ging to  start your own business when you leave the company, keeping your retirement money in your former company's plan may help protect your retirement assets from creditors.
-It is possible to move your money into another qualified retirement account, such as an Individual Retirement Account (IRA), or  new employer's retirement savings plan.
-You can choose to have your money paid to you in one lump sum, or in installments of a fixed amount or over a set number of years