How do you "catch up" taking a "Required Minimum Distribution" for an IRA?

Can you use a letter to IRS or do you need to file "on paper" a 5329 for each year you are late?
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    You can e-file with a 5329. The easiest way to generate this is to go into Forms mode. Scroll all the way down to Part VIII and you'll find where to enter the explanation. Of course, if you're habitually failing to take the RMD year after year, the IRS will frown upon you.
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