If you had Tax withheld (say, 10%) on your husband's 1099-R Distribution, you could still owe additional tax, plus a Penalty for Early Withdrawal.
For example, if you're in a 10% tax bracket normally, and you received a distribution of 50K with 10% tax withheld, that additional income may throw you into a 15% tax bracket, so the tax withholding on your 1099-R may not be enough.
As far as the penalty goes, if he was under 59-1/2 when he withdrew his retirement funds, here are is the Penalty Exceptions for IRA Early Withdrawal and Penalty Exception for Non-IRA's, depending on what type of retirement plan he had.
After you enter your 1099-R, TurboTax will ask questions to determine if you qualify for a Penalty Exception, so pay close attention to those follow-up questions.
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