You both should have received a 2022 Form 1099-R with codes J and P for the return of excess contributions for 2021 and earnings (which belongs on your 2021 return) and a 2022 Form 1099-R with code J for the regular distribution of the 2020 and 2019 excess (which belongs on your 2022 tax return).
It seems your wife received the wrong Form 1099-R for the regular distribution because Form 1099-R with codes 8 and J indicates a return of a contribution for 2022 in 2022. Please contact the custodian to correct the form, it needs to be Form 1099-R with code J since these were excess 2019 and 2020 contributions.
1) You will have to amend your 2021 return to report Form 1099-R with codes J and P.
2) Your and your wife's Form 1099-R with code J will be entered on your 2022 tax return and will eliminate the 2019 and 2020 excess.
- Login to your TurboTax Account
- Click on "Search" on the top and type “1099-R”
- Click on “Jump to 1099-R” and enter all your 1099-Rs
- Click "Continue" on the "Review your 1099-R info" screen
- Answer all the questions and make sure you enter the net contributions prior to 2022 (include the 2019 and 2020 excess in this amount) on the "Enter Prior Year Roth IRA Contributions" screen
- Answer the remaining question.
If you can't get your wife's Form 1099-R with codes 8 and J corrected to code J only then you will need to file a substitute Form 1099-R for her.
@sridharm
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