1099-R 2a Taxable Amount UNKNOWN

Forum|Forum|1 year ago
February 2, 2025
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I am doing my 88 year old mom's taxes and the 1099R Box 2a is UNKNOWN. Box 5 is NONE. Box 9b is also UNKNOWN. There is some Federal Income Tax Withheld. When I enter the numbers as directed, it does not include her income from this account as taxable. Is this right?

SabrinaD2

The taxable amount of your mother's 1099-R distributions depends on the details in Boxes 1, 2a, and 5. If Box 2a is marked "UNKNOWN," you may need to calculate the taxable portion. This involves reviewing the account's history to distinguish between pre-tax and after-tax contributions. For example, if the distribution includes after-tax contributions, that portion isn't taxable. If you choose to use the simplified method to calculate the taxable amount, the calculation for this is in the instructions for Form 1040.

If Box 5 is marked "NONE," it means there were no employee contributions or insurance premiums paid with after-tax dollars. This box is used to report any amounts that aren't taxable because they represent a return of your own contributions

If Box 9b is marked "UNKNOWN," it means the payer couldn't determine the total amount of employee contributions

IRS - Simplified Method Worksheet

Click here for additional information on Is my distribution taxable.

ronaldwoody11908

Block 2a of 1099-R from a Fed Gov't OPM annuity states Unknown. How do I determine how much is taxable?

ThomasM125

Box 5 would list the employee contributions, since it is blank, the assumption would be there were none. In that case, the entire distribution would be taxable. How it is treated in TurboTax would depend on what code is in box 7, if you could clarify that we could help you better.

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