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Taxable income left blank is common. Your Code 3 is disability so part of your income will be treated similar to wages because you have employer paid disability benefits. This makes you eligible for earned income credit and child tax credit. The part after your birthday is pension. Since you have a form that covers 2 different things, here are the options: If you have children - age 17 and under on your tax return and qualify for those credits, it would be worth splitting your form and entering the disability as one form and the pension as another form, each having the relevant parts and portion of income.* If you don't have kids- just enter the one form as-is. Since you have reached the minimum retirement age, your disability is converted to pension/ annuity. You have box 9 - this will determine the taxable portion. You and the program will use the Simplified Method Worksheet. The questions are asked after you enter the 1099-R.  Let me explain box 5 and box 9. Box 5 is health insurance premiums you paid with after tax dollars plus your nontaxable portion of the benefit. (If you know your health premiums, you can determine the nontaxable amount for this year on your own - no need). Box 9 is how much you paid in over the years working. The program then uses a factor based on your age to determine the % of box 9 that is non-taxable.  Be sure you answer all the questions after you enter the 1099-R to get the correct taxable amount. Be sure to mark that you reached minimum retirement age!   Next, look at your tax return.  Income reporting: If you enter the disability separately, it will go on 1040 line 1 wages. If you let it all be pension, 1040 box 5a is the total distribution, box 5b is the taxable amount. *If you do have children and need help with breaking things up, reply back. It isn't common but I thought it was worth mentioning.

I'm going to try again for a corrected W2 from my HR dept.  I don't think they appreciated the scope of this issue.   But for proof I do have my 2025 end-of-year paystub that breaks out the Direct Gratuities portion of my income onto a separate line.   Thank you for all the information and advice. 

Thank you so much!  I found that section VI that you mentioned on Info Wks instead of 1040/1040SR Wks.  I have no idea how that box got checked.  Someone above had said to go through the interview and I'd be able to pick something about itemizing or not.  But I tried that, and it did not ever present such a question. I had tried deleting the worksheet that you mentioned with no good result, but not the Info Wks.   The "bad box" that was checked for me says "Check this box to take the standard deduction even if less than itemized deductions".  I don't see any box that says what you wrote about limited and can be claimed as a dependent.  NO is definitely checked higher up on the worksheet for being a dependent of someone else.   As I mentioned in my first post, I did delete the Standard Worksheet for dependents, but it always came back. And as I said before, I had only tried deleting the worksheet you mentioned, not the one where the box was checked incorrectly.   I appreciate your advice!  

To enter, edit or delete estimated taxes paid (Federal, State, Local) - Click on Federal Taxes (Personal using Home and Business) Click on Deductions and Credits Click on I'll choose what I work on (if shown) Scroll down to Estimates and Other Taxes Paid On Estimates, click on the start or update button

You must take your first required minimum distribution for the year in which you reach age 73. However, you can delay taking the first RMD until April 1 of the following year. If you reach age 73 in 2024, you must take your first RMD by April 1, 2025, and the second RMD by Dec. 31, 2025.      If you didn't take your RMD, TurboTax will fill out Form 5329 for you and attach it to your tax return.  To do this, follow the steps below:   Sign in to your return - Continue in Wages & Income. Search for 1099-R and use the Jump to link and answer the questions about disaster distributions. On the Did You Miss a Required Distribution From Any Retirement Accounts? page, choose the type of account you have. Continue through the questions about your RMD We can help you file a waiver if you have a reasonable cause.       

Officially, no.  But forgiveness is almost always granted.   You need to take the missed RMD as soon as you realize the mistake, report the missed RMD (using form 5329) and ask for a waiver of the penalty with a reasonable explanation.  

@VolvoGirl wrote: Don't think you can anymore.  Try it.   A new accounts starts by asking for email address.         Hmm.  Not unexpected, but not loving it.  Would prefer to buy a bit of software out of the box and not have to disclose my life story just to use it.   Wonder if there is a clever workaround (other than making disposable email accounts).