I was laid off & can't get my retirement rolled over because it's $143 more than $10,000. In MA, is it law?

I was told that the only way I could get the money would be to take the (approx) $84 monthly retirement payments. I'm only 60, haven't found a job yet & only have 1 week left of unemployment payment.
I have suggested the company (that I used to work for) take the amount over the $10,000 as a donation, so I could get my direct rollover. No answer. I have talked with the rep at the banking company that holds our retirement monies, but she's almost nasty & I cannot call her again without knowing more of my options, if any.
HR where I used to work claims they know nothing and that I must go thru the banking/investment company.
I looked at the IRS site to see what I could find, but their legalese boggled my mind, so I gave up.
I owe money, of course, and am frustrated with not finding work, too. Can I take out a loan on the money? This was not offered as an option by the bank/investment woman.
Any answers and/or suggestions will be welcome!
Thank you! Buttoned

Thank you both for your answers! I haven't got a statement, as such, but a letter I received from SBERA calls it:
The Plan, Pension Plan and Life Annuity.
Does this mean that The Plan I have may be different from what you think? I'd worked at another job that had the same type plan with a different "bank" and I rolled it over with no problems. That place was a smaller business, also.
Does it matter that the job I was laid off from is a non-profit business?
Does this additional information change things?
Thanks! Buttoned

I don't know who told you that but its not a law in Mass, as far as I know its not a law anywhere. When I was a broker I rolled over an IRA with balances well over $50k. You absolutely have the right to roll it over no matter the balance. The above poster was right, whether it be going to a broker, or going to your local Fidelity Investment Center, bring a copy of your most recent statement with you, open an IRA, and fill out the IRA rollover form, let them go through the logistics you should not have to.

Now that said being that you are over the age of 59 1/2 you may be talking about Required Minimum Distribution, so if that's the case you do have to take it before you roll ot over. That doesn't seem right though because RMD doesn't kick in until 70 1/2.

Take your last statement to a stockbroker or bank and tell them you want to roll the paln over. Let them handle the paperwork. Stop trying to do it yourself (unless you did something odd like annuitizing it, it should be easy)