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Level 1
posted Jan 28, 2021 10:25:03 AM

I took RMD distributions 1-4/20 before CARES act passed. I suspended further payments but did not return those received. How do I complete the RMD questions in TT?

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1 Best answer
Expert Alumni
Jan 28, 2021 10:51:04 AM

Form 8915-E will address the issues of Retirement Distributions for Covid; however, the IRS has not yet released this form.

 

Be patient, and TurboTax will get it into the program as soon as possible.

 

Click this link for more info on Form 8915-E

 

 

7 Replies
Expert Alumni
Jan 28, 2021 10:51:04 AM

Form 8915-E will address the issues of Retirement Distributions for Covid; however, the IRS has not yet released this form.

 

Be patient, and TurboTax will get it into the program as soon as possible.

 

Click this link for more info on Form 8915-E

 

 

Level 2
Feb 3, 2021 8:22:04 AM

Thank you for this answer!  Will the withdrawals taken after the Cares act was passed also use form 8915-E to account for the A) Taking of the withdrawals and B) The return of any RMD?   /  I noticed when reading the form 8915-E, that there is some language on it that suggest that return or RMDs are NOT addressed in form 8915-E.

Level 15
Feb 3, 2021 11:13:11 AM

The only reasons that you would claim these as coronavirus-related distributions (CRD) on Form 8915-E is if you might have a desire to return some or all of this money to the plan or to spread this income in equal parts over three years.  In either case, you can do so only if you if you were an individual who qualified to make a CRD.  Otherwise, just report the distribution entirely on your 2020 tax return without Form 8915-E.

Level 2
Feb 3, 2021 11:17:35 AM

Thank you.  so, my goal is to spread out the tax liability over the next 3 years with that qualified CRD.  So, I will then use schedule 8915-E when it becomes available, right?

Level 15
Feb 3, 2021 11:27:23 AM

Yes, Form 8915-E is required to do that.

Returning Member
Feb 19, 2021 9:31:18 AM

I'm confused by all the answers and needing Form 8915-E.  I'm trying to answer the TT questions that don't give specific guidance for responding under the Cares Act and for the original question that was here and on TT as follows:

If you didn't take the full RMD, we'll help you request a waiver of the Tax. 

This is referring to the 50% tax penalty.

Select one of the Following:

      XXX  received all of the RMD  for 2020

      XXX  Did not received all of the RMD  for 2020

      XXX was not required to take an RMD in 2020

If you check the first, you are done but if you check the second, it asks how much did you get, how much were you supposed to take and from there it requests a waiver.

Was the waiver required under the Cares act?

TT Doesn't relate this to the Cares Act.

As far as I read, the form 8915 is for disaster withdrawals and paybacks.

 

Level 15
Feb 19, 2021 9:40:24 AM


@JRM-007 wrote:

I'm confused by all the answers and needing Form 8915-E.  I'm trying to answer the TT questions that don't give specific guidance for responding under the Cares Act and for the original question that was here and on TT as follows:

If you didn't take the full RMD, we'll help you request a waiver of the Tax. 

This is referring to the 50% tax penalty.

Select one of the Following:

      XXX  received all of the RMD  for 2020

      XXX  Did not received all of the RMD  for 2020

      XXX was not required to take an RMD in 2020

If you check the first, you are done but if you check the second, it asks how much did you get, how much were you supposed to take and from there it requests a waiver.

Was the waiver required under the Cares act?

TT Doesn't relate this to the Cares Act.

As far as I read, the form 8915 is for disaster withdrawals and paybacks.

 


The last choice - RMD not required, because there was NO 2020 RMD.