While you were working, did you ever put after-tax money into the retirement plan (most people don't)?
If you did not, then do the following:
- When you are asked, say that it is a qualified plan.
- Then on the next screen, say that "you did something else with the money"
- Then on the next screen, say that you got regular payments
- Then on the next screen, say that you started getting payments prior to 2021 (unless you started in 2021, in which case to check 2021).
- Then on the next screen, check YES the amount in Box 2a was used (Yes, I know that box 2a is empty).
- This will cause Box 2a (taxable amount ) to be set to Box 1 (gross distribution), which is correct if you have no after-tax contributions in the plan (i.e., "basis").
- Then answer one or more disaster questions with NO, I DIDN'T (unless you did).
This process avoids the Simplified method and the answers you don't know like the start date and your starting age.
@00-7
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