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He works for the railroad and pays money monthly to a company who will pay him if he is taken out of service for a reason they deem payable. It’s private insurance he pays for in case of suspension from work. He was paid one time this year by the company and they sent him a 1099 -misc form. I am trying to enter it into turbo tax and it is making me answer questions like this was business earnings when I do the smart check. So frustrated ????