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7085330665
Level 1
February 1, 2026
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1099-R Question

My wife passed away last year and I received her 401K money.  I got a 1099R in the mail and I'm not sure how to enter it in my taxes.  How should i enter it to save the most on taxes?  It was not rolled over into any other retirement plan.  Thanks 

    dmertzAnswer
    Level 15
    February 1, 2026

    Expert Reviewed

    Simply enter the Form 1099-R and indicate that you cashed it out.  The amount shown in box 2a of this Form 1099-R will be included in your AGI.  Because you did not roll the distribution over, there is nothing that changes the taxable amount.  The code 4 in box 7 of this Form 1099-R indicates that there is no early-distribution penalty.

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    dmertzAnswer
    Level 15
    February 1, 2026

    Expert Reviewed

    Simply enter the Form 1099-R and indicate that you cashed it out.  The amount shown in box 2a of this Form 1099-R will be included in your AGI.  Because you did not roll the distribution over, there is nothing that changes the taxable amount.  The code 4 in box 7 of this Form 1099-R indicates that there is no early-distribution penalty.

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