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New Member
posted Jun 1, 2019 1:06:07 AM

How can i add more than 20 RMDs if they all have withholding

is there an extra page available?

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1 Best answer
Level 15
Jun 1, 2019 1:06:08 AM


I have seen it said that the 20 limit is an IRS e-file limit so TurboTax matches that, but there is no IRS limit for mailed returns.  You can combine boxes as long as the box 7 codes are the same and enter as a single 1099-R, but if they have box 4 withholding, all of the 1099-R's should be physically attached to a mailed tax return.

Just like a mailed return,  W-2's and 1099's that have tax withholding must be attached to a mailed tax return and sent with the tax return.   1099's without withholding are not.   e-file is the same.  Nothing on a 1099-R's that has no withholding gets sent to the IRS except the totals that appear on lines 15a/b & 16a/b, but is there is withholding (in box 4) then all of the 1099-R information gets sent to the IRS so a combined box 4 will not match any 1099-R submitted by the payer and will probably result in a letter from the IRS.

The letter (if it comes) can probably just be answered by submitting copies of the 1099-R forms showing that the totals of box 4 match what was reported, but per IRS rules, each 1099-R with box 4 withholding is *supposed* to be sent separately which cannot be done with TurboTax if there are more then 20.



5 Replies
Level 15
Jun 1, 2019 1:06:08 AM


I have seen it said that the 20 limit is an IRS e-file limit so TurboTax matches that, but there is no IRS limit for mailed returns.  You can combine boxes as long as the box 7 codes are the same and enter as a single 1099-R, but if they have box 4 withholding, all of the 1099-R's should be physically attached to a mailed tax return.

Just like a mailed return,  W-2's and 1099's that have tax withholding must be attached to a mailed tax return and sent with the tax return.   1099's without withholding are not.   e-file is the same.  Nothing on a 1099-R's that has no withholding gets sent to the IRS except the totals that appear on lines 15a/b & 16a/b, but is there is withholding (in box 4) then all of the 1099-R information gets sent to the IRS so a combined box 4 will not match any 1099-R submitted by the payer and will probably result in a letter from the IRS.

The letter (if it comes) can probably just be answered by submitting copies of the 1099-R forms showing that the totals of box 4 match what was reported, but per IRS rules, each 1099-R with box 4 withholding is *supposed* to be sent separately which cannot be done with TurboTax if there are more then 20.



New Member
Jun 1, 2019 1:06:10 AM

so this means I cannot efile?

Level 15
Jun 1, 2019 1:06:12 AM

You cannot e-file more than 20 1099-R's unless you combine them.

New Member
Jun 1, 2019 1:06:14 AM

I am otherwise ready to submit my files to IRS, but have not tabbed on to do that.  As I proceed, will Tubo give me the option to e-file or print out and mail so my extra 1099-Rs can be included?
Will there be an extra form with which I can do that?

Level 15
Jun 1, 2019 1:06:16 AM

When you file using the file tab, you can either e-file or choose to print for mail filing.  If you print for mail filing then only the totals of the 1099-R's go on the 1040 form so it is OK to combine the box totals including box 4 since you attach the actual 1099-R's to the mailed return.