dmertz
Level 15

Retirement tax questions

The Form 1099-R is reporting a rollover to a traditional IRA, not to a Roth IRA.  If this Form 1099-R had been reporting a rollover to a Roth IRA, box 2a would show the same amount as is in box 1.  This seems to be a common issue this year.

You must request that the 401(k) plan correct the Form 1099-R.  If you actually requested that they initiate a rollover to a Roth IRA, they should comply, but often times will not.  If they believe that you requested a rollover to a traditional IRA, they will almost certainly refuse to correct the Form 1099-R.  If they will not correct the Form 1099-R, your only alternative will be to submit a substitute Form 1099-R showing the same amount in box 2a as is in box 1, explain your attempts to get the 401(k) plan to correct the Form 1099-R, and explain why the original Form 1099-R is incorrect.  (I believe that this will prevent you from e-filing.)

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