1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

Forum|Forum|3 months ago
March 9, 2026
9 replies
1 view

I have form 1099-R from my financial institute where I rolled over my Roth 401k to Roth IRA as it is. When I filed my tax it is checking the 4c as rollover with no amount on 4a and adding amount to 5a without checking any option to 5c as result my return was rejected by IRS with reason code : "F1040-478 - If Form 1040, 'IRADistributionRolloverInd', 'IRADistributionQCDInd' or 'IRADistributionOtherInd' is checked, then 'IRADistributionsAmt' or 'TaxableIRAAmt' must have a non-zero value."

I tried to delete and add the from multiple times but still seeing the same on the final review page. How do i procesed from here ?

TurboTax Premier Online

VolvoGirl

Level 15

That is very weird. Haven't seen anyone report that yet. I would try deleting the 1099R and enter it again MANUALLY, especially if you imported it. Oh you said you tried that.

How to contact Turbo Tax
https://ttlc.intuit.com/community/using-turbotax/help/how-do-i-contact-turbotax/00/26991

ThomasM125

Level 15

[Edited 3/9/26 at 11:18 AM PST]

@kracu18

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EBorn

Level 2

I have the exact the same problem in TurboTax Premier desktop version with the most current updates. Didn’t catch it until IRS rejected my return. Tried deleting, entering again, etc. Every option fails. Trying to reach support now.

zaolson

Level 2

I am having the same issue. I had a 401(k) Roth rollover to a Roth IRA (distribution code H). Box 4c was checked as "Rollever" but the gross distribution amount was being put into Box 5a (not 5a). Hence, there was a mismatch between rows 4 and 5. My return was rejected saying:

Description of error:

If Form 1040, 'IRADistributionRolloverInd', 'IRADistributionQCDInd' or 'IRADistributionOtherInd' is checked, then 'IRADistributionsAmt' or 'TaxableIRAAmt' must have a non-zero value.

What needs to be done:

This return cannot be filed at this time due to a processing error that will be corrected on March 13, 2026. On or after this date, open the rejected return, review it for errors, and resubmit the return for electronic filing.

eyevik

Level 2

Im having the exact same problem, Cant get a hold of anyone to help

EBorn

Level 2

Just got off the phone with the live tech support. The agent told me they are aware of the problem and working on the fix. ETA to deploy 3/13

161457

Level 2

Thank you. I had the same issue when using the desktop version of TurboTax Premier. No IRA distributions but two 1099-R to report for a 401K to IRA rollover and a Roth 401K to Roth IRA rollover. Line 4 on Form 1040 has the rollover box checked but no amounts. Line 5 on Form 1040 has the rollover box checked and company distributions.

Filed over the weekend and the federal form was rejected for this reason "F1040-478 - If Form 1040, 'IRADistributionRolloverInd', 'IRADistributionQCDInd' or 'IRADistributionOtherInd' is checked, then 'IRADistributionsAmt' or 'TaxableIRAAmt' must have a non-zero value.

e2happy

Level 2

I have same issue.

e2happy

Level 2

Just talked to Turbo tax help desk. Was told it is a software issue and will be fixed by March 13th. Refile after that date. Thanks.

Aart

Level 2

@e2happy wrote:
Just talked to Turbo tax help desk. Was told it is a software issue and will be fixed by March 13th. Refile after that date. Thanks.

Thanks for letting us know (I had the same issue). Can somebody please confirm, after March 13, that it indeed has been fixed, so that we don't all keep trying to file to the IRS 😉

pinetreemando

Level 2

Same rejection using the online version. "This return cannot be filed at this time due to a processing error that will be corrected on March 13, 2026. On or after this date, open the rejected return, review it for errors, and resubmit the return for electronic filing."