@dmertz wrote:
Although you requested an HFD, the IRA custodian has no way to know if the distribution actually qualifies as an HFD. If it doesn't qualify (not eligible to have made that amount of HSA contribution), it must be reported on your tax return as if it's not an HFD.
That's not entirely true in this case. The HSA bank had a form to request an HFD that I had to send to the IRA custodian. And looking back, I am reminded that TIAA held up the transfer for "missing information" -- when I called them, they couldn't find anything wrong and sent it through again. But the rest of the information is well taken. I guess I will wait until after 2/1 and then call them and see what they will do. I would really prefer not to file by mail (although this year I will owe slightly so it won't delay a refund).
