Hello all!
I actually found the solution- I ended up on a 30 minute call with customer service.
On the "walk me through everything" mode of Federal Taxes- under Retirement and Social Security, the first section is IRA, Pension, etc. For me, the answers were all defaulted to 'Yes' which is what causes that permanent red X on the Forms for disaster distributions. So, if you go through that first section and purposely click through and answer 'No' to the questions asked, it should remove the X and allow you to file!! I was so relieved.
Let me know if you need a clearer description!
