topic HELP with traditional IRA distribution in Retirement tax questions

HELP with traditional IRA distribution

tomy2 — Mon, 09 Mar 2026 07:18:46 GMT

I helped a friend doing her taxes last year and again this year. Her husband passed away in 2019 and filed her taxes last year 2020. (Texas so only federal taxes) Last year we filed her widowed. Now was going to file for her again for 2021 and she cashed in her dead husbands IRA for the full amount in 2021. The 1099 only has his name on it and his SS#. Taxes were withheld and I am trying to figure out if she needs to report it and how, as Turbo Tax has her to file as single. Just not sure how it should be handled.

Re: HELP with traditional IRA distribution

DMarkM1 — Wed, 23 Mar 2022 14:07:19 GMT

It does need to be reported as income, however it should be reported under the beneficiary spouse's social security number at this point. She should contact the payer (account custodian) and have them issue the correct 1099R to her.

Re: HELP with traditional IRA distribution

tomy2 — Wed, 23 Mar 2022 14:13:23 GMT

Thank you, such a simple answer that I should have thought of. i will inform her to ask for a corrected 1099 thanks