Hi, So, I had a Disability Income Protection Policy that had a "Return of Premium Rider". I never had a disability claim , and after 20 years at age 66 received a check for the return of premium. Then I received a IRS form 1099-R that has box 1 showing the distribution amount and Box 2a for the amount as "Taxable". Box 7 has the code "7" showing. I thought is was receiving money back? What form do I need to fill in and how do I resolve the distribution so I am not taxed? Thank you for your help in advance, [removed].
