If you use the balance of the original 2020 1099-R total draw less the amount claimed on the 2020 return. They should be able to see that you will be done claiming the income in 2 years vs taking all 3 years.
The advise to pay back the money to the pension isn't really an option unless the Pension Plan has it set up as a loan VS a DRAW (which is why you have to claim it as income) A pension loan is NEVER considered income unless you don't pay it back and or close it out.
