Made a Qualified Charitable Distribution in 2020. My 1099-R tax amount includes both RMD and the QCD. TurboTax does not ask me if any part of the RMD was a QCD. Help!

[airedalejohn]

Am 71 YO and meet criteria for QCD.  Why does TurboTax not ask me if any part of the 1099-R RMD is a QCD?

[macuser_22]

Did you check this box?

[airedalejohn]

My question page does not have that specific question.  The other six lines are there though.  Did I miss something?  Also, I did not get a question asking if this 1099-R was related to an RMD.  Is this pertinent?

[macuser_22]

---

@airedalejohn wrote:

My question page does not have that specific question.  The other six lines are there though.  Did I miss something?  Also, I did not get a question asking if this 1099-R was related to an RMD.  Is this pertinent?

---

The RMD age was changed to 72 by a tax law but the QCD is still 70 /1/2 or older.

Is the IRA/SEP/SIMPLE box checked on your 1099-R?  Only IRA's can have a QCD.

Check the personal information section n to be sure your  DOB is 1950 for age 71.

[airedalejohn]

Checked my 1099-R.  The SEP/IRA box is checked.  And my profile has my correct birth date of 1949.

[macuser_22]

I assume you are using the online version and not the CD/download version installed on your computer which is different.

Delete the 1099-R and re-enter.  If you answer the questions the QCD question is there.

[airedalejohn]

Am using the online version.  I deleted and reentered this particular 1099-R but will repeat and let you know what happens.  TX!

[macuser_22]

This is what I get:

[airedalejohn]

Reentered the 1099-R.  Made sure that the IRA/SEP box was checked in turbotax (same as 1099-R form), rechecked my birthdate.  Still same result - no question regarding QCD!  

[macuser_22]

What did you do that is different than my screen shots.

[airedalejohn]

Birthday is 11/1949.  Age:  71

Box 1 and 2a have same "taxable" amount.  But $1,000 of this amount was a QCD = non taxable.

Box 2b:  "Taxable amount not determined" is checked on 1099-R and entered on form as such.

Box 4:  Has federal income tax amount entered.  Entered on TT form.

Box 7:  7 and IRA/SEP/SIMPLE checked.  Checked on TT form.

Box 14:  Has state tax withheld amount entered.  Entered on TT form.

Yet no question regarding RMD or any amount donated as QCD.

Any ideas?

[macuser_22]

You don't get the 2nd screen shot "Do these situations apply to you" that is right after the continue button on the 1099-R entry screen?

[airedalejohn]

I have that screen but do not have the question if I directed any or all of the RMD to charity.  I also did not get a screen asking if this 1099-R amount was an RMD.

[airedalejohn]

[macuser_22]

Double check the personal information section to be sure there was not a typo on your DOB.

The only three things that can prevent that question  is an incorrect DOB, the IRA box not checked, or a box 7 code that is not eligible for QCD's.