Ok ... you may be exempt from the 10% penalty however the distribution is still taxable. You may have had federal taxes WITHHELD from the distribution (which will be added to your other withholdings on the return) you have not already paid the taxes on the withdrawal and the entire distribution must be added to the tax return. So you have the option to pay taxes on the distribution in full on the 2020 return OR spread the distribution over the 2020/2021/2022 returns equally ... just be aware the entire federal withholding will be applied to the 2020 return only so you may run short in the next 2 years which means you need to think about that option carefully and plan accordingly.
