When you receive a 1099-R at year end, TurboTax wants to know if you received monthly distributions (like a monthly pension payment) or if you took a lump-sum amount out of your retirement account, since the 1099-R doesn't indicate that difference.
Tax will be the same either way. If required, your pension plan sends you your RMD annually and may include that amount in your monthly pension payments, or send it separately (in which case, you'd have a second 1099-R).
If you are required to take RMD and didn't receive a second 1099-R, you can tell TurboTax that 'Yes, your 1099-R included ALL of your RMD.'
Here's more detailed info on 1099-R and What is RMD?
If you pay quarterly Estimated Taxes rather than having tax withheld on your pension payments, you would include any income reported on your 1099-R's for 2025.
@SerottaD
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