Delayed RMDs for those with an RBD of April 1, 2020 are not late RMDs. Yes, it's confusing and probably impossible for developers to distill this down to a terse statement, but that won't prevent them from distilling it anyway, resulting in an inaccurate instruction. Perhaps they should just ask if any of the distribution was ineligible for rollover, and of so, how much. This is what these questions are actually trying to determine. This wording would also cover in-service early distributions from qualified retirement plans that are hardship distributions that are ineligible for rollover, something that TurboTax has never addressed, but in that case would need to be asked for everyone, not just those who are potentially subject to age-based RMDs.
