TT final check of 1099-R doesn't like Payer's address

No, there is no override for Smart Check errors. Did you import or scan Form 1099-R? If so, you may need to delete that entry and manually enter the 1099-R information.

Other issues that may cause this message:

Check the 2-letter state code for the zip code on the form. Make sure the city and state match up to the zip code. This error happens when the state code doesn't match what is on file with the IRS. TurboTax follows the IRS for acceptable zip codes. If the state code does not match the correct state, you will get an e-filing error. Correcting the state code is usually the fix.  

• Check that the 2 letter state abbreviation is correct here USPS Two–Letter State and Possession Abbreviations   (most common error)
• Make sure you've entered the ZIP code in either 5-digit or 9-digit format, for example, 12345 or 12345-6789.
• Look up the correct ZIP code for the street address in question.

Finally, if you're using TurboTax Online, it may be browser-related. Log out of TurboTax, refresh your browser, and clear your cookies and cache. Then restart your browser and log into TurboTax again. Or try a different browser.

For more help, please see:

• How do I delete cookies?
• How to clear your cache