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user17742768248
Level 2
March 23, 2026
Question

1099-R received from a deceased relative

  • March 23, 2026
  • 2 replies
  • 93 views

I received 1099-R every year for my deceased grandmother's retirement account.    I report this in my Turbo Tax filing. Turbo Tax needs the info for "RMD due by Dec. 31, 2025".  What should I put there?  Is this the same as what is in box 1 of form 1099-R?  

 

Need help.
 
 
 

    2 replies

    DianeW777
    Alumni - Intuit
    March 23, 2026

    Yes, it should be the same amount as Box 1 of your form 1099-R. 

     

    Generally, these distributions are fully taxable to the beneficiary, but they are not subject to early withdrawal penalties, even if you are under age 59½.

     

    Beneficiaries of an IRA, and most plans, have the option of taking a lump-sum distribution of the inherited account at any time. Beneficiaries must include any taxable distributions they receive in their gross income.

     

    When you enter the 1099-R in your return, you will reach the page 'Do any of these situations apply to you?' be sure to check the box beside 'I inherited this IRA' (if it's an IRA).  This will eliminate any penalty. 

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      user17742768248Author
      Level 2
      March 26, 2026

      Thanks!

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