@maglib If you don't mind can you point out how would I continue to be penalized? I was hoping to pay the tax on my 2018 return, and pay it again with I withdraw at retirement and that would be the end of it.
Folks at the previous employers are claiming it was my responsibility to let them know before April 1st (which I understand, the burden is on me at they had no way of knowing) and are refusing to issue a refund and corresponding 1099-R.
Thanks!
