topic If I rolled over my 401k, what do I do if I did not receive a 1099-R? in Retirement tax questions

If I rolled over my 401k, what do I do if I did not receive a 1099-R?

mbruno4nd — Mon, 09 Mar 2026 06:19:32 GMT

Re: If I rolled over my 401k, what do I do if I did not receive a 1099-R?

Bsch4477 — Tue, 08 Feb 2022 04:01:33 GMT

If it was a direct transfer you might not get a 1099-R. Check with your financial institution.

Re: If I rolled over my 401k, what do I do if I did not receive a 1099-R?

Opus 17 — Tue, 08 Feb 2022 05:13:35 GMT

if you made a direct transfer from one plan to the other, you might not get a 1099R. And in that case, you have nothing to report to the IRS so don’t worry about it.

In most cases, a direct transfer does not create a taxable event and does not have to be reported. A direct transfer would only be a taxable event if you went from a pretax plan to a Roth IRA, which would be considered a Roth IRA conversion.

Re: If I rolled over my 401k, what do I do if I did not receive a 1099-R?

dmertz — Tue, 08 Feb 2022 12:26:30 GMT

The 401(k) plan administrator must always issue a Form 1099-R reporting the distribution from the plan that is rolled over (as long as the amount in question is $10 or more). Contact the plan administrator to obtain the missing Form 1099-R.

(The answers suggesting that a Form 1099-R might not be required apply only to IRA-to-IRA trustee-to-trustee transfers, not to rollovers from a 401(k).)

Re: If I rolled over my 401k, what do I do if I did not receive a 1099-R?

SweetieJean — Tue, 08 Feb 2022 12:31:14 GMT

@dmertz What if it's a rollover to another 401(k)?

Re: If I rolled over my 401k, what do I do if I did not receive a 1099-R?

dmertz — Tue, 08 Feb 2022 13:28:26 GMT

It's possible for one 401(k) to be moved to another, say, when one company acquires another and combines the plans into one, an this is done by nonreportable transfer. Such a transfer is not a rollover. Movement of funds between plans of unrelated companies would be a reportable rollover.

Re: If I rolled over my 401k, what do I do if I did not receive a 1099-R?

mbruno4nd — Fri, 11 Feb 2022 14:35:02 GMT

Thank you. This is correct and the original plan administrator will be sending me a 1099-R by the end of the month.