I DID call the IRS - last week - and all they told me was that I needed to call back Mass Mutual to find out what our net gain was. Nothing about Mass Mutual having to send us a 1099. And the first customer service rep I talked to at Mass Mutual told me to call Turbo Tax! So, my husband and I are the ping pong balls and it's very disheartening. And, as I'm understanding things so far, we won't be able to e-file when we do the substitute Form 1099-R.
