It just occurred to me that a workaround for this problem would be to file a paper return. Do taxes using the Q code in Box 7, print out the return, then switch to the T code and print the 1099-R and substitute that for the "doctored" 10-99-R. Except that this will dramatically delay any tax return processing or refunds because of IRS understaffing, I can't think of a downside.
