topic Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked in Retirement tax questions

1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

kracu18 — Mon, 09 Mar 2026 16:14:37 GMT

I have form 1099-R from my financial institute where I rolled over my Roth 401k to Roth IRA as it is. When I filed my tax it is checking the 4c as rollover with no amount on 4a and adding amount to 5a without checking any option to 5c as result my return was rejected by IRS with reason code : "F1040-478 - If Form 1040, 'IRADistributionRolloverInd', 'IRADistributionQCDInd' or 'IRADistributionOtherInd' is checked, then 'IRADistributionsAmt' or 'TaxableIRAAmt' must have a non-zero value."

I tried to delete and add the from multiple times but still seeing the same on the final review page. How do i procesed from here ?

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

VolvoGirl — Mon, 09 Mar 2026 16:18:52 GMT

That is very weird. Haven't seen anyone report that yet. I would try deleting the 1099R and enter it again MANUALLY, especially if you imported it. Oh you said you tried that.

How to contact Turbo Tax
https://ttlc.intuit.com/community/using-turbotax/help/how-do-i-contact-turbotax/00/26991

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

ThomasM125 — Mon, 09 Mar 2026 18:22:21 GMT

[Edited 3/9/26 at 11:18 AM PST]

@kracu18

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

EBorn — Mon, 09 Mar 2026 18:06:33 GMT

I have the exact the same problem in TurboTax Premier desktop version with the most current updates. Didn’t catch it until IRS rejected my return. Tried deleting, entering again, etc. Every option fails. Trying to reach support now.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

zaolson — Mon, 09 Mar 2026 18:16:02 GMT

I am having the same issue. I had a 401(k) Roth rollover to a Roth IRA (distribution code H). Box 4c was checked as "Rollever" but the gross distribution amount was being put into Box 5a (not 5a). Hence, there was a mismatch between rows 4 and 5. My return was rejected saying:

Description of error:

If Form 1040, 'IRADistributionRolloverInd', 'IRADistributionQCDInd' or 'IRADistributionOtherInd' is checked, then 'IRADistributionsAmt' or 'TaxableIRAAmt' must have a non-zero value.

What needs to be done:

This return cannot be filed at this time due to a processing error that will be corrected on March 13, 2026. On or after this date, open the rejected return, review it for errors, and resubmit the return for electronic filing.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

eyevik — Mon, 09 Mar 2026 18:41:15 GMT

Im having the exact same problem, Cant get a hold of anyone to help

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

EBorn — Mon, 09 Mar 2026 18:51:20 GMT

Just got off the phone with the live tech support. The agent told me they are aware of the problem and working on the fix. ETA to deploy 3/13

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

e2happy — Mon, 09 Mar 2026 18:54:24 GMT

I have same issue.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

e2happy — Mon, 09 Mar 2026 19:09:32 GMT

Just talked to Turbo tax help desk. Was told it is a software issue and will be fixed by March 13th. Refile after that date. Thanks.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

161457 — Mon, 09 Mar 2026 23:16:54 GMT

Thank you. I had the same issue when using the desktop version of TurboTax Premier. No IRA distributions but two 1099-R to report for a 401K to IRA rollover and a Roth 401K to Roth IRA rollover. Line 4 on Form 1040 has the rollover box checked but no amounts. Line 5 on Form 1040 has the rollover box checked and company distributions.

Filed over the weekend and the federal form was rejected for this reason "F1040-478 - If Form 1040, 'IRADistributionRolloverInd', 'IRADistributionQCDInd' or 'IRADistributionOtherInd' is checked, then 'IRADistributionsAmt' or 'TaxableIRAAmt' must have a non-zero value.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

user17730989705 — Mon, 09 Mar 2026 23:33:10 GMT

Thank you for relaying tech support guidance on the bug and saving us the hold time. I have been ripping my hair out over this today. Hope it works after 3/13.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

pinetreemando — Mon, 09 Mar 2026 23:33:37 GMT

Same rejection using the online version. "This return cannot be filed at this time due to a processing error that will be corrected on March 13, 2026. On or after this date, open the rejected return, review it for errors, and resubmit the return for electronic filing."

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

Aart — Tue, 10 Mar 2026 00:44:18 GMT

@e2happy wrote:
Just talked to Turbo tax help desk. Was told it is a software issue and will be fixed by March 13th. Refile after that date. Thanks.

Thanks for letting us know (I had the same issue). Can somebody please confirm, after March 13, that it indeed has been fixed, so that we don't all keep trying to file to the IRS 😉

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

Jan3t — Tue, 10 Mar 2026 02:40:33 GMT

I also had the same issue. My return was rejected and I received the same message. I'm using Turbotax Deluxe.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

EBorn — Fri, 13 Mar 2026 15:17:41 GMT

The problem appears to be fixed now!

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

Jan3t — Fri, 13 Mar 2026 15:23:47 GMT

@EBorn were you able to fix your return and resubmit it?

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

zaolson — Sat, 14 Mar 2026 01:14:43 GMT

Update: appears to be fixed now. Resubmitted and returns accepted.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

Aart — Sat, 14 Mar 2026 01:55:48 GMT

Good to hear it's fixed in general, but as of 3/13, the "offline" desktop version has not gotten any update yet that fixes this issue.

Re: 1099-R Distribution code (box 7) H with IRA/SEP/SIMPLE unchecked

Aart — Sun, 15 Mar 2026 21:17:21 GMT

Update: even with the offline desktop version, the bug is fixed. This is not apparent at first, since trying to "fix" the rejection does nothing and still tells you to wait for an update. However, removing the 1099-R form(s) and then reentering (and check on 1040 that boxes 4 are unchecked) allows you to refile without problems.