Missing 1099-R from 2022 tax return - what can I do now?

This is actually a fairly common situation, especially for people who change jobs mid-year! First, don't panic - there are straightforward ways to address this. Since you've confirmed that the 1099-R wasn't included in your 2022 return (nothing on lines 4a/4b), you should file an amended return (Form 1040-X) to report this income. The IRS typically has a 3-year window from the original filing date to assess additional taxes, so you're well within that timeframe. The tax impact depends on how the distribution was coded on your 1099-R. Look at Box 7 - this code tells you the type of distribution. If it was coded as a return of excess contributions, the tax treatment might be different than a regular distribution. The interest portion is typically taxable in the year received.

After dealing with a similar situation last year, I found this amazing tool called taxr.ai (https://taxr.ai) that saved me tons of stress. I had missed reporting a 1099-R from an old employer and wasn't sure how to handle it properly. What's cool about taxr.ai is that it can analyze your tax documents and previous returns to find these kinds of discrepancies before the IRS does. You just upload your documents and it compares what you've filed against what's been reported to the IRS. It actually found my missing 1099-R and walked me through exactly how to file an amended return.

Just wanted to update after trying taxr.ai - it was actually super helpful for my situation! I uploaded my returns and documents and it immediately flagged a 1099-R from 2022 that I had completely forgotten about from an old 403(b) rollover. The analysis showed me exactly what forms needed to be amended and even calculated the potential tax impact. What really helped was the step-by-step guidance for filing the 1040-X. I was able to get everything submitted last week and feel so much better knowing I caught this before getting an IRS notice. They also explained how the tax treatment differs based on the distribution code, which helped me understand why this particular distribution wasn't fully taxable. Definitely worth checking out if you're in a similar situation!

If you're trying to contact the IRS to discuss this situation, good luck with that! I spent WEEKS trying to get through their phone lines to resolve a similar issue with a missing 1099-R. After dozens of attempts and hours on hold, I finally found Claimyr (https://claimyr.com) and it completely changed the game. They basically hold your place in line with the IRS and call you when an agent is about to pick up. You can see a demo of how it works here: https://youtu.be/_kiP6q8DX5c. I was seriously skeptical at first, but after weeks of frustration, I was desperate to try anything. Within a day, I was talking to an actual IRS agent who helped me understand exactly what I needed to do to fix my missing 1099-R issue without facing major penalties.

I owe everyone an apology - I tried Claimyr today out of desperation after getting disconnected THREE TIMES trying to reach the IRS about my retirement account issue. I was so frustrated I was ready to throw my phone out the window. Shocked to report it actually worked! After setting up my call (took like 2 minutes), I went about my day. About 2 hours later I got the call that an agent was about to pick up. Got connected to a really helpful IRS rep who walked me through exactly how to handle my missing 1099-R situation. They explained I could use Form 1040-X and exactly which boxes needed to be updated. The agent even mentioned that since I was self-reporting before they identified the issue, I might qualify for reduced penalties. Never would have gotten this info without actually speaking to someone. Definitely worth it after weeks of failed attempts calling on my own.

You might want to check if your 1099-R was for a "return of excess contributions." If so, look at Box 7 for the distribution code - it should be coded as "P" or "8" depending on your specific situation. This affects how it's taxed. For excess 401(k) contributions that are corrected, sometimes only the earnings portion is taxable in the year you receive the distribution (2022 in your case). The actual excess contribution amount might have already been included in your W-2 income for 2021, so you wouldn't need to pay tax on that portion again.

Has anyone used Credit Karma Tax (now Cash App Taxes) to file an amended return for a missed 1099-R? I'm in a similar situation but don't want to pay TurboTax's fees again just for an amendment.

Just wanted to share my experience since I went through something very similar last year. I also had a job change situation where I over-contributed to 401k plans and received a corrective distribution in 2022 that I completely forgot to include on my return. The good news is that since you found the 1099-R and can see it shows code "P" with only $276 taxable, your tax impact should be pretty minimal. I was in a similar boat - my taxable portion was only around $300 and the additional tax owed was less than $100. I filed the 1040-X amendment myself and it was processed without any issues. The key things I learned: 1) File the amendment as soon as possible to show good faith, 2) Include a brief explanation that you're self-reporting an omitted 1099-R, and 3) Make sure to pay any additional tax owed with the amendment to minimize interest charges. The IRS was actually pretty reasonable about the whole thing since I caught and corrected it myself before they sent any notices. Don't stress too much - this happens more often than you'd think with job changes and retirement account corrections.