There are two points to be made.
- This is taxable income.
- A check was prepared and issued to you.
- The IRS considers that the money was available to you, regardless if you cashed it or not.
- You must report the 1099-R as income.
- The money will be in an account "on Hold" as a credit to your 401-K account,
- The check was distributed, so as far as the plan is concerned it's gone.
- Even thou you didn't cash it. It is not available to the account to be invested.
- As @VolvoGirl said, you should contact the plan manager.
- You should be able to request a new check.
Please contact us again with any additional questions.
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