I received two 1099-R forms at the same time. They both have different company's on them but one says substitute on the bottom. Which one do I use?

serat0un1n · ‎January 25, 2020

Critter · ‎January 26, 2020

Both I would assume ... did you receive distributions from both companies ? Did you get all the money they said you got ?

dmertz · ‎January 26, 2020

"Substitute" simply means that they are not using the official IRS printed form.

Retirement tax questions