As the plan owner, as I understand it you are required to enter the 1099-Q where you show up as the "recipient" even if all the taxes are qualified. There is a lot of mis-information out there. I think most people don't enter the 1099-Q and the IRS gives them a pass as generally they know that the funds are not taxable. Yet if there other issues with your return, they will throw these in and make you respond.
I say this as that's what the IRS told me. Last week I got a "proposed changes" letter from the IRS for 2018, in there they listed the 2018 1099-q funds where I was the recipient as taxable. I just flied a 1040X to show all the funds as qualified, and doing so here for 2019. Just I ran into the snag of not seeing my son as a dependent.
I do see now the "someone else not listed here" option in turbotax. . I'm totally blind to missing that earlier and many thanks for the help.
