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@DawnC . Thanks for the feedback, I just got off the phone with TT support with whom I also shared my screen. She was great. She said code of 1L won't be changed in the software (to allow spreading out income over 3 years) and the best course of action is to print out a paper version of 8915e and mail that with my 1099-R and a justification page to the IRS. I can do that and submit my 1099-R as a 1 code and file online or it may be safer to paper file everything together. She said usually the plan administrator can revise the code and send out a new 1099-R, but mine won't.