I'm on the online SE version. I worked with their excellent support team last night and it's not clear what's gong on but there are some theories.
1. software is auto-splitting by three years yet gives you zero visibility to confirm this and UI reads "can be spread" not "will be spread".
2. A defect where somehow re-entering the forms (even in Chrome) doesn't sort out.
3. Some obscure reason why I'm ineligible despite the software UI saying I qualify.
I'll call them again today. One of the proposed workarounds was to paper file.
That sounds daunting but probably better than clearing and starting over (which probably won't even address this).
Cheers!
