We think we have found the issue. Normally, your 1099-R should have had a distribution code of '1' in box 7, indicating that the IRS custodian recognized that you were under 59 1/2 so should be liable for an early distribution penalty. I am sure that both Minh and Cynthia entered this in the tests that they did.
I don't know what you did - take your existing return and add an 1099-R? But if you are already more than 59 1/2, then the admonition about an early distribution penalty doesn't apply to you, so you would not have seen these screens. Or conversely, you are under 59 1/2 but used a code of '7' in box 7 *which is what I did).
In any case, this early distribution penalty applies ONLY if you are 59 1/2 or under...are you?
@dougforester
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