Thank you for the rapid reply. The insurance company is difficult to deal with and makes a lot of mistakes. In the best of all worlds, they may issue a corrected form showing $0, in which case, if I understand correctly, I would file a 1099-R, showing $0 and check that is a Corrected form.
If, however, they do not correct the form -- if they just say, as the woman on the phone did, "No, you shouldn't have gotten it" and, when I pressed, "Well, maybe the tax department can send you a letter saying you should not have gotten it" than am I reading your reply to say that I should just leave off the 1099-R, accumulate letters that I send to the insurance company (and their replies, if any), and then wait for the IRS to query me about a missing 1099-R?
