The 1099-R and tax is probably correct. If you wanted to roll it into an IRA and were not given that option then you "might" have grounds for legal action that would probably cost you $15,000 on up in legal fees to save a few cents of tax. Forget it.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
