Do I need to submit a 1099-R form if I have never taken out of my retirement?

[SweetieJean]

Did you do a rollover?  Or have a plan loan on which you defaulted?

[bxn3996]

I have not. I don't have a plan loan. I also have never received a 1099r from the company I work for. Does that mean that the 1099r form doesn't apply to me?

[IreneS · Accepted solution]

No.  Form 1099-R is used to report distributions from a retirement plan.

If money is taken out of the plan (even if it is rolled over to another plan)  you should receive a 1099-R from the plan administrator (not your employer). 

It sounds like you haven't taken any actions that would prompt a 1099-R to be sent to you.

If you ever do receive a 1099-R it has to be included in your 1040 return.