The only option open to you at this point is a rollover IRA (which is the same as a traditional IRA), since all the other plans require living in US.
Be warned however, that you may have difficulty finding a firm to take your rollover because you are not in US, in which case you may just have to take the money
You could decide to take the money, however you will be taxed in US (the 20% tax is merely the first cut, you would still need to file a 1040NR to determine correct tax) and you may also be subject to 10% early withdrawl penalty if you are less than 59.5 yrs old.
After that the gross income would be reported in Canada as well, with the US tax and penalty eligible for foreign tax credit (Federal first, Provincial second).
Most in your situation would have been advised to find a broker soon after you left the firm and rolled it into an IRA at that time.
<i>nelsona non grata... and non pro</i>
Rollover of retirement account
Moderator: Mark T Serbinski CA CPA