You should not prepare a 2021 Form 1040 for someone who passed away in 2020.
Who received the funds? Generally the distribution will be reported as income to the beneficiary. You can call the company and ask to reissue a 1099-R.
If the money did not go to a beneficiary, you can file Form W-7 to obtain an EIN number and file a Form 1041 estate tax return if the money did not go to a beneficiary.
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