My spouse died in 2018 and I pulled money from his IRA to pay for funeral expenses but received a 1099-R even though the distribution was not payable to me

Forum|Forum|7 years ago
June 3, 2019
6 replies
31 views

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Anonymous

Who's SSN is listed on the 1099-R?

dmertz

Level 15

Any distributions from the IRA after the death of your spouse are payable and taxable income to the designated beneficiary of the IRA. Is someone other than you the designated beneficiary of the IRA? If so, how is it that you were able to obtain a distribution from this IRA after the death of your spouse?

seaby2018Author

Level 2

My name and SSN

macuser_22

Alumni - Champ

If you name and SSN is on the 1099-R then the account was transferred to you. It is your IRA now.

**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**

dmertz

Level 15

If your name and SSN is on the Form 1099-R, the payer believed that the payment was indeed payable and taxable to you.

SweetieJean

Alumni - Champ

Sounds like OP had the withdrawal check made payable to the Funeral home. However. as you stated, it is still taxable.
@seaby2018 Funeral expenses are not deductible.