I changed jobs and received a 1099-R months after I missed the 30 day direct rollover time period for my 401k with Distribution Code "G", indicating a direct rollover. As mentioned, I haven't cashed the check or rolled it over to a plan but my tax return is significantly lower than what it should be. I was curious if I'm being penalized for early withdraw and if I am, if the IRS is taking it out of my tax refund? Additionally, the amount is less than $2,000 and I am younger than 59 1/2.
