Amount distributed to you after you reached age 59½ should be coded with 7D instead of 1D.
Because the SEPP plan was in place for more than 5 years when you reached ag 59½, any distributions that you receive after having reached age 59½ and are no longer a distributions for which you would need to claim the SEPP exception to the early-distribution penalty.
Treatment of distributions as qualified disaster distributions is only available for distributions from qualified retirement account, not from nonqualified annuities. Since you are over age 59½, the only benefits to treating a distribution from a qualified retirement account as a disaster distribution are that the taxable income can be spread over 3 years and you have 3 years to repay the distribution should you choose to do so. It does not make taxable income be nontaxable.
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