Do both 1099-R's have the amount of the distribution? That does not seem right if so. Usually, I believe that a joint annuity would be on a single 1099-R with both names or if paid separately then only the amount paid to that joint owner.
Is this the first distribution? If not, then how was it handled last year?
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
