topic How do I complete the Annuity information for an OPM Retirement CSA 1099R? in Retirement tax questions

How do I complete the Annuity information for an OPM Retirement CSA 1099R?

ecook6411 — Thu, 05 Feb 2026 11:20:12 GMT

Re: How do I complete the Annuity information for an OPM Retirement CSA 1099R?

AmyC — Fri, 06 Feb 2026 01:21:15 GMT

Before you start:

Annuities that are non-qualified are funded with after tax dollars while a qualified annuity is funded with pre-tax dollars.
Your CSA form 1099-R:
- Box 5 can show the health insurance and nontaxable funds for this year, determine your health insurance amount included
- Box 9 -the total after tax money you contributed.
- Box 9 is blank - find your OPM annuity statement from when you retired
You will need
- Annuity start date is the first month you received your annuity benefit.
- Age at start date- when you got your first check
- If joint/ survivor - need age on that date as well
- Amount previously recovered:
  - If this is your first year - you're done, zero previously recovered
  - If this is not your first year -look at last year's return for the Simplified Method Worksheet to see how much has already been used.

To enter:

Open your return to income section and select 1099-R section to begin

Select CSA 1099R
Enter the form
None of these situations apply
Enter health insurance
Select I didn't roll or convert this money - if you just spent it
A few more questions
Annuity -periodic? - Yes, you get it each month
Did you start getting in 2025? yes or no
The program diverges at this point but you can continue entering the information you have located above. I will keep going but yours may look a little different.
Was the total amount shown in the form - the amount you paid tax on? I would select no
Annuity information - fill in start date, your contributions, number of months in 2025, tax free amount previously recovered
More than one individual covered? select your answer
Enter age(s) when started

References:

Re: How do I complete the Annuity information for an OPM Retirement CSA 1099R?

EydieG — Fri, 20 Feb 2026 20:50:41 GMT

None of these questions have ever been asked before. We always just enter the amounts from the 1099. Why are they asking which method I used? I didn't figure out these amounts, they came straight from the 1099

Re: How do I complete the Annuity information for an OPM Retirement CSA 1099R?

SteamTrain — Fri, 20 Feb 2026 21:30:58 GMT

@EydieG

If your box 2a has a non-zero number in it..(not blank, nor marked as undetermined), and that number is somewhat lower than the box 1 number, due to an after-tax contribution amount that is noted in box 5...then edit that retirement form again, and when you get to the following page (below), answer it as-if the displayed edits were present (i.e. you needed to answer YES).

Answering YES will use the box 2a $$ amount on your for 1040. Check lines 5a and 5b before and after entering that 1099-R.

(But if you answered No, and already entered some $$ in the "General" or "Simplified" calculation area ,you might need to delete your 1099-R first and re-enter it from scratch...not sure of that though)

___________________________

Re: How do I complete the Annuity information for an OPM Retirement CSA 1099R?

VaBluebell — Thu, 19 Mar 2026 19:07:47 GMT

I have the same question as Eydie, only I am doing this for my 91-year-old father who retired in August 1990. I don't know if I have a prayer of finding out the exact date his annuity started and what his total contribution at that time was. His taxable amount (box 2a) shows UNKNOWN, and his Total Employee Contributions (box 9b) show $9597.00. I assume that's the amount for 2025? No idea where to put that, nor how to figure "tax-free amount previously recovered." I've emailed my dad with these questions but don't really have a lot of hope that he will have all that paperwork. Any suggestions?

Thank you.

Re: How do I complete the Annuity information for an OPM Retirement CSA 1099R?

JamesG1 — Mon, 23 Mar 2026 15:08:40 GMT

The questions asked at the screen Annuity information, determine how much of the $9,597 of your father's employee contributions have been recovered in previous years and how much is left to recover.

The answer is a function, in part, of the exact date that his annuity started.

If you cannot obtain the exact information needed, you may have to make a best judgement of the annuity starting date and use that date for this year's income tax return and for subsequent year's income tax returns.

A starting date after November 18, 1996 would qualify for the simplified method.

Access to the previous year's income tax returns would be helpful to acquire the tax-free amount previously recovered, if any. If the information is not available, TurboTax states:

"You must compute this entry by adding all prior years' nontaxable amounts."

You may also be able to compute the amounts by using the Simplified Method Worksheet, page 43, in this IRS Publication.

@VaBluebell

Re: How do I complete the Annuity information for an OPM Retirement CSA 1099R?

VaBluebell — Tue, 24 Mar 2026 12:29:02 GMT

Thank you, James. After speaking to my father I discovered that he has just been paying tax on the whole amount for all these years, and he has shredded all his old paperwork since moving to his retirement community. After 36 years I'm sure he'd be paying tax on the whole amount anyway so I'll just continue with that. I appreciate your taking the time to reply to me!