TIAA combined 1099-R

[barbyoung]

My husband's TIAA combined 1099-R covers two annuities plus a 401A and a 403B plan. TurboTax is asking the following. How do I answer it?

Was This Distribution From a 403(b) Plan?

The distribution rules are slightly different for 403(b) plans compared to other more common qualified retirement plans, like 401(k)s. (These plans are similar to 401(k) plans, but typically only offered by public schools and certain charities.)

Yes, this is a 403(b) plan

No, it's another type of qualified retirement plan

[DaveF1006 · Accepted solution]

A TIAA combined 1099-R isn’t just one form—it’s several different 1099-R forms printed together on a single sheet for convenience.

Because your husband has multiple plan types (401a, 403b, and annuities), you must enter each one separately in TurboTax. Attempting to enter them as one combined form will produce errors. Look closely at the "Combined" statement. You will see separate "boxes" or "rows" for each plan. Each row will have its own Box 1 (Gross Distribution) and its own Box 7 (Distribution Code).

Enter the 403(b) first: Enter only the numbers from the 403(b) section. When TurboTax asks if this was a 403(b), select "Yes, this is a 403(b) plan."

Enter the 401(a) second: Start a new 1099-R entry. Enter the numbers from the 401(a) section. When asked the 403(b) question, select "No, it's another type of qualified retirement plan."

Enter the Annuities last: These are typically considered "Another type of qualified retirement plan" (if they are within a retirement plan) or "Non-qualified" (if they are private annuities).