The 1099-R should be corrected by the plan administrator if the money was returned to them uncashed after your mother's death. If that does not occur, keep all of your documentation and the 1099-Rs in her tax file with an explanation. It's possible the IRS may inquire about them if your mother's final return does show taxable income on their end.
An alternative, if the plan administrator does not provide a corrected 1099-R, is to report the income, especially if there is federal withholding then you can back it out with the steps below.
Other Miscellaneous Income:
- Sign into your TurboTax Online account
- Go to Tax Home (left panel) Wages and Income section
- Scroll to Less Common Income > Select Miscellaneous Income, 1099-A, 1099-C
- Select Other reportable Income > Enter a description (----) and the amount as a negative (-100).
Next year (2026) when the beneficiaries receive the income, they will report the 1099-R on each of their returns.
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