Per your advice, I complained to my broker and they said that they are not tax advisors and can not make a determination as to whether any distribution is taxable so they use code T rather than Q in box 7. It is up to me and my tax advisor (i.e. Turbotax) to make that determination. Turbotax is not asking the right questions to properly indicate that the distribution is non-taxable. Again, the only way to get the numbers right is to manipulate the 1099-R. That is clearly a bug in the software.
