Hi, I never stated that Form 8915-F makes your distribution non-taxable. You pay regular taxes on it, but can elect to spread the distribution over 3 years. However, the form also ensures that because the distribution was taken as a result of a qualified disaster, you wouldn’t be charged a 10% additional penalty on the early withdrawal. This is outlined in Title 3, Section 331 of the Secure 2.0 Act of 2022. TurboTax themselves just posted a week ago that they hope to have that form finalized soon but that it would be after 04/18/2023.
