Do I need to file an amended tax return for missing 1099-R forms?

This happens more often than you'd think, so no need to panic! When it comes to missing 1099-R forms, there are a couple things to consider: The form with code G and $0 taxable isn't an issue since there's no taxable amount. The IRS won't be expecting any tax payment from that distribution since it's a direct rollover. For the 1099-R with code 1B showing $16.35 taxable, technically any income should be reported. However, the impact on your tax liability is extremely minimal. At most tax brackets, we're talking about $2-4 in actual tax difference. You have a few options: 1) File an amended return (Form 1040-X) to report the additional income, 2) Wait to see if the IRS sends a notice (they might automatically adjust your return), or 3) Due to the small amount, you might reasonably decide the time and effort of amending isn't worth it.

After spending HOURS trying to figure out my rollover situation last year, I finally discovered taxr.ai (https://taxr.ai) and it was a total game changer. It analyzed my 1099-R forms in seconds and told me exactly what I needed to do. For situations like yours where you're wondering if you need to amend, it can look at both forms and tell you the actual tax impact and whether it's worth filing a 1040-X. The system is super smart about rollovers and identifies the codes that matter - I was surprised at how straightforward it made everything.

Just wanted to follow up - I tried taxr.ai for my missing 1099 situation and it was seriously helpful! It analyzed my forms and actually showed me that my situation wasn't amendment-worthy (saved me tons of stress). The coolest part was it explained exactly WHY I didn't need to amend, with references to the tax code. Ended up using it for some other tax questions I had too. Wish I'd found it sooner!

If you decide you need to speak with the IRS about this, good luck getting through to them! I tried calling for WEEKS about a similar issue. Then a friend told me about this service called Claimyr (https://claimyr.com) that got me through to an actual IRS agent in about 15 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c - basically they navigate the phone tree and wait on hold for you, then call you when an agent picks up. Saved me literally hours of frustration and the agent I spoke with said for such a small amount on a 1099-R they wouldn't even bother amending unless I got a notice from them.

Well I'll be damned. I was completely wrong about Claimyr. After my snarky comment, I decided to try it anyway since I've been trying to reach the IRS about a similar issue for literally weeks. It actually worked exactly as advertised! Got connected to an agent in about 20 minutes. The agent told me that for amounts under $25, they typically don't even send notices because the processing cost exceeds the tax revenue. Saved me filing an amendment and hours of my life. Definitely keeping this service in my back pocket for next tax season.

From personal experience, I wouldn't bother amending for such a small amount. Last year I received a 1099-INT after filing that showed $12 in interest income. I panicked just like you, but my sister works for H&R Block and told me the IRS has a materiality threshold. The tax on $16 would be so minimal that it's just not worth their resources to pursue. If they do notice (unlikely), they'll just send a letter adjusting your tax by a couple dollars.

I literally just went through this exact thing! Had a tiny 1099-R with like $20 taxable that arrived after I filed. I called the IRS (took forever to get through) and the agent told me that while technically any income should be reported, they don't typically pursue amounts this small. She said I could file an amended return if it would make me feel better, but that the system might not even generate a notice for such a small amount.