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posted Feb 23, 2026 10:46:38 AM

1099-R Death Benefit

I'm having trouble getting a question answered. Teacher Retirement System of Texas sent a 1099-R to me because I was a non spouse beneficiary for the death benefit. Box 7 is code 4 and it is not an IRA with 100% payment. When asked about the original owners birth age the following questions go into the RMD. I've called TRS twice and also asked a TT tax expert with no resolution. When I change it to reflect MY birth year I'm able to get passed it.

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1 Replies
Employee Tax Expert
Feb 23, 2026 11:51:02 AM

You should use the original owner's birth age and follow the steps below to get past the RMD questions.

 

  1. Go to Wages & Income and select Review next to IRA, 401(k), Pension Plan Withdrawals (1099-R)
  2. Click Review to the right of your Form 1099-R entry
  3. Compare your Form 1099-R with all entries, including Box 7 Code(s), Continue  
  4. Select if original owner was born before January 1, 1952, or other option
  5. Select No, it's another type of qualified plan, Continue
  6. Next,when you reach, "Let's get more information about your RMD", enter the total distribution amount toward the RMD amount, Continue
  7. Next, select, The entire distribution applied to the December 31, 2025 RMD, Continue
  8. Select No for the Annuity Information section, Continue
  9. Next, in the Review your 1099-R summary, Continue (not the pencil)
  10. Continue answering the questions
  11. Next, when you see "Let's go over any required minimum distributions (RMD), select Continue (not the pencil)