Since the Form 1099-R has not been generated yet, the tax withheld will be paid in and applied to 2025. So, it would not be reportable on your 2024 tax return. You will report it on your 2025 return. You still need to make the substitute Form 1099-R entry on your 2024 return, but you won't get credit for the tax withheld until you report the 2025 Form 1099-R on that tax return.
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