That is correct - If you choose the option to pay it all now, it won't be spread over three years. If you choose not to pay it all now, TurboTax will use 8915-E to spread the tax over 3 years, equally over 2020, 2021, and 2022. You can verify this by looking at the taxable amount on your Form 1040 - it should be 1/3 of your distribution if you elected to spread the tax.
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