@VolvoGirl that point I am not clear on. this is what the 2025 1099-R instructions state:
To report a QCD use code Y with:
• Code 7 for a QCD from a non-inherited (normal distribution) IRA,
• Code 4 for a QCD from an inherited (death distribution) IRA, or
• Code K for a QCD reporting distributions of traditional IRA assets not having a readily available FMV that are
either from non-inherited or inherited IRAs.
So it suggests it's one 1099-R with two codes in Box 7.
