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Question

1099-R

Forum|Forum|1 year ago
March 11, 2025
1 reply
0 views

I borrowed money from my retirement account in 2024 to pay personal expenses. I received Form 1099-R and under the State portion all the fields are empty. Does this mean the amount I took out is not taxable income for NYS filing purposes and should show as a subtraction on my state return?

No, the empty state fields on your Form 1099-R do not automatically mean the amount is not taxable for New York State (NYS) purposes.

Here are points to consider

Withdrawals from retirement accounts are generally taxable in NYS
NYS allows a pension and annuity income exclusion of up to $20,000 if you are 59½ or older
Form 1099-R: The empty state fields might indicate that the payer did not withhold state taxes, but it does not determine taxability.

Here how to enter the 1099-R in TurboTax. Once you complete, TurboTax will ask you questions to help you determine federal and state taxability.

You can import or upload your 1099-R, or manually enter the information yourself.
Sign in to TurboTax
Then click this link 1099-R.