topic Re: Substitute 1099-R Form in Retirement tax questions

Substitute 1099-R Form

Jeff_Sinclair — Sun, 05 Apr 2026 01:38:04 GMT

My wife is a foreign national who receives income in the USA so she receives form 1042-S. Previously when entering income information into Turbo Tax I entered details on form 1099-R and I was later able to prepare a substitute 1099-R after indicating a missing form. This step is missing in 2026 TT. How do I prepare substitute 1099_R (form 4852)

Re: Substitute 1099-R Form

JamesG1 — Sun, 05 Apr 2026 14:19:46 GMT

In either TurboTax Desktop or Online, enter the information as if it were reported on an IRS form 1099-B.

Under Retirement Plans and Social Security, click to the right of IRA 401(k) Pension Plan Withdrawal (1099-R).

At the screen Do any of these situations apply to you?, select I need to file a substitute 1099-R.

Re: Substitute 1099-R Form

Jeff_Sinclair — Mon, 06 Apr 2026 05:08:57 GMT

Thanks for your response. When I click to the right of IRA 401(k) Pension Plan Withdrawal (1099-R) (Learn More) the a window opens containing information but no mension of substitute 1099-R. If I click to the far right (Update) I see a summary of the information I have entered for that section and an option to add a 1099-R but not a substitute 1099-R. If I click the 1099-R link I am able to add the information received in the 1042-S and the information is saved as a 1099-R. At no time is there a link to file a substitute 1099-R. In prior years this option was available but not in the 2026 version, at least as far as I can see. I am running Home and Business Desktop. Any other suggestions?

Re: Substitute 1099-R Form

JamesG1 — Mon, 06 Apr 2026 13:04:15 GMT

You would enter the 1099-R information as if you received an IRS form 1099-R. At the screen Do any of these situations apply to you? select I need to file a substitute 1099-R.

Follow these steps to report the transaction:

Across the top of the screen, click on Personal.
Across the top of the screen, click on Personal income.
Click on I'll choose what I work on.
Scroll down to Retirement Plans Social Security.
Click Start / Update to the right of IRA 401K Pension Plan Withdrawals.
At the screen Let Us Enter Your Bank and Brokerage Tax Documents, select Skip Import.
At the screen Who gave you a 1099-R, select Financial institution or other provider (1099-R). Click Continue.
At the screen Enter your 1099-R providers info, enter information. Click Continue.
At the screen Enter your 1099-R details, enter Box 1, Box 2a and Box 7 information at a minimum.
At the screen Is the IRA/SEP/SIMPLE box on this 1099-R checked?, select No. Click Continue.
At the screen Where is your distribution from?, select Other distribution. Click Continue.
At the screen What kind of retirement plan do you have?, select information. Click Continue.
At the screen Do any of these situation apply to you?, select I need to file a substitute 1099-R.

You may not be able to electronically file and you may have to mail to the IRS supporting documentation.

@Jeff_Sinclair

Re: Substitute 1099-R Form

Jeff_Sinclair — Mon, 06 Apr 2026 21:39:37 GMT

Thank you Dave. I should have mentioned this is retirement income and form 1042-S is provided by her ex employer. Therefore I cannot import the information from a brokerage as you mention so I have to skip this step and enter it manually. The information is then saved as a 1099-R with no option to create a substitute 1099-R now offered by Turbo Tax, unlike prior years.

Jeff

Re: Substitute 1099-R Form

Jeff_Sinclair — Mon, 06 Apr 2026 21:51:10 GMT

James, thank you for your diligence. After following your steps I found the option to add substitute 1099-R. Many thanks!

Jeff