Thanks! I was beyond the 60-day window and didn't meet any of the exceptions (ignorance wasn't one of them). The returned money came to me as a check this February.
Ahh... I now see that the TD Ameritrade IRA 1099-R gross distribution includes the $7000 that went to the HSA. Nothing in that 1099-R shows anything about money going to HSA, so I see I just report it all as income coming from the IRA. I imported the TD Ameritrade 1099-R and the TT version shows the $7000 as an HSA funding distribution...but once I deleted it and confirmed all questions were answered correctly, all seems to make sense and errors are gone.
Regarding the 5498-SA, the HSA custodian had stated: "Neither an amended Form 5498-SA (HSA, etc…information) nor an amended Form 1099-SA will be issued to you for the taxable year for which the excess contributions were made... consult your personal tax advisor if any questions regarding how to report the return of excess contributions." So I guess it's no problem if my 5498-SA shows a $7000 contribution as long as the tax return all makes sense.
And I see that, even though the $7000 is reported as 2019 income, the whopping $2.75 earnings on that will be reported for 2020.
Any further comments? Thanks...and stay healthy!
