Sure, I'm happy to answer the question.
In a general sense, it is very difficult, wherever you are, to access a pension early. By design, pensions are made to last until you're 65 and you retire.
To access a pension early, it's pretty difficult. It's different but similar. In Canada, you have to go through a process with the Canada Revenue Agency, as I understand it. You must have been departed for two years, then provide certain documentation to your pension provider.
I'm not familiar with the rules in the United States. I should be. I'll get there. However, the rules in Hong Kong are quite similar in terms of evidence you must provide and how the trustee is able to process it. It is a fairly high bar.