I did get a reply in another thread that the "split 1099-R" approach could cause issues if you have state withholding on your 1099-R because the state would get the individual 1099-Rs as entered in TurboTax, which would not match the state's e-filed 1099-R (received either directly or thru the IRS). In my case it may be more a matter of nomenclature, since my pension is 100% taxable as ordinary income either way (no basis exclusion), I wouldn't qualify for EITC based on counting it as earned income, and it has no impact on my Arkansas state return (Arkansas always treats it as pension income & doesn't have a state EITC). Perhaps the bottom line will depend on exactly how my pension plan reports it.
