topic Why did I receive a 1099-R from my employee retirement plan? I've never received one before and didn't take out any money from those accounts so am very confused. in Retirement tax questions

Why did I receive a 1099-R from my employee retirement plan? I've never received one before and didn't take out any money from those accounts so am very confused.

cyd11 — Tue, 03 Feb 2026 12:24:57 GMT

I've searched around and read through several articles, but it's not making sense to me. I didn't rollover any accounts or take anything out of them. Can someone break this down?

Re: Why did I receive a 1099-R from my employee retirement plan? I've never received one before and didn't take out any money from those accounts so am very confused.

DoninGA — Sat, 08 Feb 2025 16:28:01 GMT

What is the code in box 7 of the Form 1099-R?

Re: Why did I receive a 1099-R from my employee retirement plan? I've never received one before and didn't take out any money from those accounts so am very confused.

cyd11 — Sat, 08 Feb 2025 16:36:22 GMT

7 is the code which in checking the form means "normal distribution."

Re: Why did I receive a 1099-R from my employee retirement plan? I've never received one before and didn't take out any money from those accounts so am very confused.

DoninGA — Sat, 08 Feb 2025 16:45:46 GMT

Then your plan administrator has posted the Form 1099-R because they have information that you were sent a distribution from your account. If there is an amount in box 1 of the 1099-R and you never received those funds then you need to contact the plan administrator. The name and phone number should be shown as the Payer on the Form 1099-R.

Re: Why did I receive a 1099-R from my employee retirement plan? I've never received one before and didn't take out any money from those accounts so am very confused.

SteamTrain — Sat, 08 Feb 2025 18:38:18 GMT

Sometimes people have their distributions set up to be sent to their brokerage account, and they never noticed it went there until they look thru the details of their brokerage activity.

If you reached age 73 during 2024, a few providers will automatically issue the RMD $$ at the end of December if you haven't taken your RMD by a certain date late in the year.

Re: Why did I receive a 1099-R from my employee retirement plan? I've never received one before and didn't take out any money from those accounts so am very confused.

amuell42 — Fri, 20 Mar 2026 00:34:44 GMT

My wife got a 1099 - R for a small amount and we couldn't figure out what it was. Ended up calling the number on the form, it was for an old job from a few years ago, she had a retirement account there that she didn't know about.

Re: Why did I receive a 1099-R from my employee retirement plan? I've never received one before a...

SharonD007 — Fri, 20 Mar 2026 00:55:38 GMT

Assuming you need help entering your spouse's 1099-R.

You can enter the 1099-R form under Retirement Plans section of the Wages & Income.

Select Federal
Select Wages & Income
Scroll down to Retirement Plans and Social Security
Select Start by IRA, 401(k), Pension Plan Withdrawals (1099-R)
Add your 1099-R.

Refer to the TurboTax Help article Where do I enter my 1099-R? for more details.