I inherited an IRA from my husband in 2024. It was rolled over into my IRA, but the RMD from his account was taken out and sent to my bank account. They took out about $5000 in taxes. I received a 1099-R in my name, but indicating my husband as original depositor. The distribution code was 4. I completed the Turbo Tax instructions, but it seems to be refunding the $5000 to me. How can that be correct?