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You can only amend to get a refund for up to three years. If you never deducted the IRA contribution, then you have nondeductible IRA contributions. There would be a Form 8606 that would keep track of those contributions over the years. Distributions from a Nondeductible IRA are not taxable.
We'll automatically generate Form 8606 (Nondeductible IRAs) if you reported:
You would be asked this question after you have entered your 1099-R for your IRA distribution.
The screen sequence would be as below:
Simple answer: no.
When you withdraw from an IRA, the entire amount is subject to tax in the year you took the distribution. None of the amount in box 1 of your 1099-R is deductible, UNLESS there is a different amount in box 2a. Even then, you don't actually take a deduction, you just report the taxable amount differently. TurboTax (TT) handles that automatically.
If you made some non-deductible contributions to your IRA, over the years, some of the distribution will not be taxable. Again, TT will handle that in the 1099-R interview.
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