{"id":20275,"date":"2026-08-17T04:38:19","date_gmt":"2026-08-17T09:38:19","guid":{"rendered":"https:\/\/www.hrblock.com\/tax-center\/"},"modified":"2026-09-04T14:59:39","modified_gmt":"2026-09-04T19:59:39","slug":"reporting-form-1099-r-amounts-as-income","status":"publish","type":"post","link":"https:\/\/www.hrblock.com\/tax-center\/irs\/forms\/reporting-form-1099-r-amounts-as-income\/","title":{"rendered":"Form 1099-R for retirement account distributions"},"content":{"rendered":"\n<p>Taking money from your retirement accounts means you\u2019ll receive Form 1099-R during the next tax season. If you&#8217;re planning ahead for next year&#8217;s taxes or Form 1099-R has landed in your mail box, we understand you may have questions. <\/p>\n\n\n\n<p>H&amp;R Block is here to help you understand your Form 1099-R so you can file your taxes confidently.  Read and as we cover the basics of the 1099-R form and what it shows. &nbsp;Then, we\u2019ll help you outline how the form is used for your federal taxes.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"160\" src=\"https:\/\/www.hrblock.com\/tax-center\/wp-content\/uploads\/2017\/06\/Retirement-tax-considerations.jpg\" alt=\"Couple reviewing 1099-R form \" class=\"wp-image-56886\"\/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\">What is a 1099-R?<\/h2>\n\n\n\n<p>A 1099-R form is a tax document that reports distributions from retirement accounts, pensions, annuities, or profit-sharing plans. Officially, the1099-R form is called the \u201cDistributions From Pensions, Annuities, Retirement, or Profit-Sharing Plans, IRAs, Insurance Contracts, etc.\u201d<\/p>\n\n\n\n<p>The IRS only requires Form 1099-R to be sent when $10 or more are distributed from the account but you could receive a form for a smaller amount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Form 1099-R used for?<\/h2>\n\n\n\n<p>You use a Form 1099-R to file your taxes and report the total payout, the taxable portion, and any federal or state income tax withheld from any of the following account types:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Annuity and pension payments, insurance contracts, survivor income benefit plans<ul><li>Profit sharing and retirement accounts, including IRAs<\/li><\/ul><ul><li>Loans against pension plans<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li>Charitable gift annuities<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Do you have to pay taxes on a 1099-R?<\/h2>\n\n\n\n<p>You generally have to pay taxes on the withdrawals shown on a 1099-R if it is from a pre-tax account. Withdrawals showing on a 1099-R for Roth distributions, rollovers, or returns of after\u2011tax contributions may be partially or fully tax\u2011free. If you\u2019re under 59\u00bd, you might also owe a 10% early withdrawal penalty unless an exception applies.<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-single-override-cta\" class=\"wp-block-create-block-hrb-single-override-cta\" style=\"background-color:#005d1f\"><div class=\"hrb-single-override-cta--image\" style=\"background-image:url(&quot;https:\/\/www.hrblock.com\/tax-center\/wp-content\/themes\/hrb_tic\/img\/on-laptop-at-desk-graphic.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-single-override-cta--copy #ffffff\"><h3 class=\"main-heading\">File with H&amp;R Block to get your max refund<\/h3><div class=\"quick-links-list-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hrblock.com\/online-tax-filing\/\">File online<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.hrblock.com\/tax-offices\/?app_method=GENERAL_TAX_PREP_METHOD\">File with a tax pro<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">When is Form 1099-R sent?<\/h2>\n\n\n\n<p>It\u2019s sent to you no later than January 31 after the calendar year of the retirement account distribution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What info does Form 1099-R include?<\/h2>\n\n\n\n<p>This form includes information such as the amount you withdrew, how much is taxable (if that was determined), any taxes that were withheld, and a code that shows what type of distribution.<\/p>\n\n\n\n<p>We\u2019ve called out a few important box numbers that often drive tax questions.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Box 1&nbsp;<\/strong>reports the total amount of distribution from a retirement plan or annuity, this is the gross amount of dollars you received from the plan. It may be taxable or not depending on many factors.<\/li>\n\n\n\n<li><strong>Box 2&nbsp;<\/strong>reports the taxable amount of the distribution as reported by the payer. Thus, the retirement plan or annuity has determined what the amount to include in income is. This amount should be reported on line 4b or 5b of Form 1040.<\/li>\n\n\n\n<li><strong>Box 4&nbsp;<\/strong>reports the amount the payer withheld from a distribution; this amount is very important to you as it reports the amount of taxes you have already paid on the amount distributed.<\/li>\n\n\n\n<li><strong>Box 7&nbsp;<\/strong>is the distribution code, this describes the type of distribution the taxpayer took as known by the payer (see list below). The code will help to determine the taxability of the distribution. If the payer knows the distribution was a loan or a rollover, the distribution will be described as such by a code number or letter. The codes are described on the back on the 1099-R.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Box 7 1099-R distribution codes<\/h3>\n\n\n\n<p>Form 1099-R includes a form field where a code is used identify the type of distribution. This is indexed on Box 7.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Code 1\u2014Early distribution, no known exception (in most cases, under age 59\u00bd).<\/li>\n\n\n\n<li>Code 2\u2014Early distribution, exception applies (under age 59\u00bd).<\/li>\n\n\n\n<li>Code 3\u2014Disability.<\/li>\n\n\n\n<li>Code 4\u2014Death.<\/li>\n\n\n\n<li>Code 5\u2014Prohibited transaction.<\/li>\n\n\n\n<li>Code 6\u2014Section 1035 exchange (a tax-free exchange of life insurance, annuity, qualified long-term care insurance, or endowment contracts).<\/li>\n\n\n\n<li>Code 7\u2014Normal distribution.<\/li>\n\n\n\n<li>Code 8\u2014Excess contributions plus earnings\/excess deferrals (and\/or earnings) taxable.<\/li>\n\n\n\n<li>Code 9\u2014Cost of current life insurance protection.<\/li>\n\n\n\n<li>Code A\u2014May be eligible for 10-year tax option (see Form 4972).<\/li>\n\n\n\n<li>Code B\u2014Designated Roth account distribution. Note: If code B is in box 7a and an amount is reported in box 10, see the Instructions for Form 5329.<\/li>\n\n\n\n<li>Code C\u2014Reportable death benefits under section 6050Y.<\/li>\n\n\n\n<li>Code D\u2014Annuity payments from nonqualified annuities that may be subject to tax under section 1411.<\/li>\n\n\n\n<li>Code E\u2014Distributions under Employee Plans Compliance Resolution System (EPCRS).<\/li>\n\n\n\n<li>Code F\u2014Charitable gift annuity.<\/li>\n\n\n\n<li>Code G\u2014Direct rollover of a distribution to a qualified plan, a section 403(b) plan, a governmental section 457(b) plan, or an IRA. Also, a direct rollover of the entire balance of a Trump account to an ABLE account of the account beneficiary in the year the beneficiary reaches age 17.<\/li>\n\n\n\n<li>Code H\u2014Direct rollover of a designated Roth account distribution to a Roth IRA or Roth SIMPLE IRA.<\/li>\n\n\n\n<li>Code J\u2014Early distribution from a Roth IRA or Roth SIMPLE IRA, no known exception (in most cases, under age 59\u00bd).<\/li>\n\n\n\n<li>Code K\u2014Distribution of traditional IRA assets not having a readily available FMV.<\/li>\n\n\n\n<li>Code L\u2014Loans treated as distributions.<\/li>\n\n\n\n<li>Code M\u2014Qualified plan loan offset.<\/li>\n\n\n\n<li>Code N\u2014Recharacterized IRA contribution made for 2025 and recharacterized in 2025.<\/li>\n\n\n\n<li>Code P\u2014Excess contributions plus earnings\/excess deferrals (and\/or earnings) taxable in 2024 or a previous year.<\/li>\n\n\n\n<li>Code Q\u2014Qualified distribution from a Roth IRA or Roth SIMPLE IRA.<\/li>\n\n\n\n<li>Code R\u2014Recharacterized IRA contribution made for 2024 or a previous year and recharacterized in 2025.<\/li>\n\n\n\n<li>Code S\u2014Early distribution from a SIMPLE IRA in first 2 years, no known exception (under age 59\u00bd).<\/li>\n\n\n\n<li>Code T\u2014Roth IRA or Roth SIMPLE IRA distribution, exception applies.<\/li>\n\n\n\n<li>Code U\u2014Dividend distribution from ESOP under section 404(k). Note: This distribution isn\u2019t eligible for rollover.<\/li>\n\n\n\n<li>Code W\u2014Charges or payments for purchasing qualified long-term care insurance contracts under combined arrangements.<\/li>\n\n\n\n<li>Code Y\u2014Qualified charitable distribution (QCD) claimed by taxpayer under section 408(d)(8).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Do you have to report Form 1099 on your taxes?<\/h2>\n\n\n\n<p>Yes, you should report the information shown on Form 1099-R on your taxes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How do you report Form 1099 on your taxes?<\/h2>\n\n\n\n<p>You\u2019ll report amounts from&nbsp;Form 1099-R as ordinary income on line 4b and 5b of the Form 1040. If the form shows federal income tax withheld in Box 4, attach a copy \u2013 Copy B\u2014to your tax return.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What happens if you don\u2019t report your Form 1099 income?<\/h2>\n\n\n\n<p>If you receive a Form 1099-R and do not report the distribution on your tax return, the IRS will likely send you a CP2000, <em>Underreported Income<\/em> notice. This IRS notice will propose additional tax, penalties and interest on your distributions and any other unreported income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-help-with-reporting-1099-r-form-income\"><strong>Get help with reporting 1099-R form income<\/strong><\/h2>\n\n\n\n<p>If you\u2019re looking for help reporting your IRS Form 1099-R, H&amp;R Block is here for you. Whether you <a href=\"https:\/\/www.hrblock.com\/online-tax-filing\/\">file online<\/a>&nbsp;or <a href=\"https:\/\/www.hrblock.com\/tax-offices\/?app_method=GENERAL_TAX_PREP_METHOD\">file with a tax pro<\/a>, you can rest assured that we\u2019ll help you get your max refund.*<\/p>\n\n\n\n<p><em>*All tax situations are different. Not everyone gets a refund. See hrblock.com\/guarantees for complete details.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Taking money from your retirement accounts means you\u2019ll receive Form 1099-R during the next tax season. If you&#8217;re planning ahead for next year&#8217;s taxes or Form 1099-R has landed in your mail box, we understand you may have questions. H&amp;R Block is here to help you understand your Form 1099-R so you can file your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":56891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[25,55],"tags":[],"class_list":["post-20275","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-irs","category-forms"],"acf":[],"yoast_head":"<title>Reporting Form 1099-R Amounts As Income | H&amp;R Block<\/title>\n<meta name=\"description\" content=\"Do you have to report amounts from Form 1099-R as income on your taxes? 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