The installed version, not the online version, absolutely defaulted to the max deferral without verifying it with you. I also received an IRS letter and went back to my Turbotax to figure out what happened. The section about this deferral *now* asks you (likely an update). In my saved tax return, there is NO ANSWER as it never asked me and the amount it deferred is the full amount, by default.
In fact if I go back into that section and just click 'continue' without answer yes/no, it still defers the full amount. That's a nasty bug for all of us not expecting a several thousand dollar IRS bill.... thanks turbotax...
