Hello Becky K,
We are so happy you joined us today!
From what I am understanding, you took a distribution from your IRA due to COVID in 2020 and your are interested in repaying it. You are correct that you have up to 3 years to pay it back. You would contact either your employer if it was through a plan at work, or the financial institution where the IRA funded through.
After you make the payment, you will want to amend your tax return(s) to report that you paid it back to claim a refund of the tax attributable to the amount of the distribution that you included in income for those year(s) you claimed it as income. https://www.irs.gov/newsroom/coronavirus-related-relief-for-retirement-plans-and-iras-questions-and-... .
If you completed your taxes with TurboTax and need to amend your prior years, feel free to reach out to one of agents for assistance, they are always happy to help!
Thanks again for joining us today!
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