Its free to file an amended return. @fanfare is correct. You will probably get a notice about mismatched income some time later if you don't report the 1099R on your 2020 tax return. If you bought MaxBenefits, Taxaudit.com would take care of the notice but its still a hassle dealing with the IRS. Better to nip it in bud on the front end than try to work through the paper chase down the road. Nobody wants to be on the IRS' mailing list.
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