You may need to re-enter the information because it appears that the information in Boxes 1-7 did not populate in your 2025 return. Here are the steps to enter that information.
- Go to Federal > Wages & Income.
- Scroll down to Retirement Plans and Social Security and click Show More.
- Click Start or Revisit next to IRA, 401(k), Pension Plan Withdrawals (1099-R).
- Important: Even if you didn't get a new 1099-R for 2025/2026, click through the screens.
- After the screen that lists your 1099-R entries, click Continue.
- You will eventually see a screen that asks: "Have you ever taken a disaster distribution before 2025?" (or similar wording about prior years).
- Select YES.
This is where you fill in Part 1 of the form. The software needs this to stop the IRS rejection:
- Select the Year: Choose 2024 (the year the disaster began).
- The FEMA Number: You must enter the FEMA code (e.g., DR-4769-ST). If you don't have it, you can look it up at FEMA.gov.
- It will ask for the "Total Distribution" from 2024. Enter the full amount you took out originally.
- Ensure you check the box that says you are spreading the income over 3 years.
The IRS system rejects returns when Form 8915-F, Part 1 is blank because it doesn't know which disaster you are claiming the 3-year spread for. By re-entering the FEMA number and declaration date in this specific section, those numbers will finally populate Lines 1–7.
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