I pulled money out of my 401K for two declared disaster this year, but when I fill out "Which disaster affected you" I only have the option to enter one disaster and can only benefit (paying tax on it over 3 years and not paying the 10% early withdrawal penalty) from one withdrawal.
You do not have to enter two - if you qualify for one, the forms will be completed correctly.
When I look at form 8915F, even if I say I have one or more disaster distribution it’s only accounting for one disaster distribution. Per the IRS documentation, I should be able to a dollar limit of $44,000 ($22,000 per declared disaster). And as a result I owe an early withdrawal penalty and can’t spreed the taxes out for that money over 3 years.
You are correct that you are allowed to withdraw $22,000 per disaster.
In order to do this in TurboTax you have to enter two separate 1099-Rs. After you enter the first it will ask you for all of the information about the federally declared disaster that you pulled the money out for. After you enter the second one it will pre-fill the disaster for you with the same disaster information that you entered for the first disaster.
You need to overwrite the disaster information that the system has pre-entered for you and enter all of the information for the second qualifying disaster. This should allow you to remove the early withdrawal penalty and spread both out over three years.