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File Form 1099-R Online | Reporting Retirement Distribution

E-File 1099-R Form with State-of-the-art E-File Payroll Workforce Software. Ensuring each form is securely sent to the recipient and the IRS on time.

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Form 1099-R

What is the 1099-R Tax Form?

It’s an IRS tax Form used to report the distribution of retirement benefits of $10 or more. The primary purpose of the form is to report money taken out from various retirement accounts. Ideally used by custodians of the funds, including banks and insurance companies. 

Note: Copy B is provided to the recipient so they can determine their 1099-R taxable amount.

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1099-R Form Deadlines

To avoid late filing  penalties, keep these key dates for the 2026 tax year in mind:

Filing Type Deadline
Copy B to Recipient February 01, 2027
IRS Paper Filing March 01, 2027
IRS Electronic Filing March 31, 2027
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What is a 1099-R Form Used For?

1099-R Form is versatile and can be used for several types of distributions. It covers: 

  • Pensions and Annuities: Regular payments from a former employer or insurance contract.
  • Profit-Sharing or Retirement Plans: Distributions from 401(k) or 403(b) plans.
  • IRAs: Traditional, Roth, SEP, or SIMPLE IRA withdrawals.
  • Thrift Savings Plan (TSP): For any withdrawals or loans treated as distributions.
  • Backdoor Roth 1099-R: Used to report the conversion step of a Backdoor Roth IRA strategy.
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1099-R Tax Form
1099-R Instructions

1099-R Instructions and Box 7 Distribution Codes

The instructions for Form 1099-R require the payer to identify the nature of the distribution. This is done in 1099-R Box 7 using specific alphanumeric codes. Common examples include:

  • Code 1: Early distribution, no known exception, subject to a 10% penalty.
  • Code 7: Normal distribution if the recipient is over age 59½.
  • Code G: Direct rollover to another qualified plan or a traditional IRA.

Note: If you see a 1099-R taxable amount not determined or checked on your form, it means the payer did not have enough information to calculate the exact taxable portion. Use the IRS Simplified Method to figure out what you owe.

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How to File 1099-R Electronically with E-File Workforce Payroll

Filing your 1099-R forms is efficient and secure through our platform. Follow this simple process:

  • Login: Access your E-File Workforce Payroll account.
  • Select Form: Choose the 2026 1099-R form (or the current tax year) from the menu.
  • Enter Data: Input payer details, recipient info, and distribution amounts.
  • Submit: Review for accuracy and transmit directly to the IRS.
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Have Questions?
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    FAQs

    It depends on the type of distribution. Most pension and traditional IRA distributions are taxable. However, Roth IRA distributions are often tax-free if specific requirements are met.

    Ideally, the payer calculates it. If the payer hasn’t calculated it for you, subtract your “cost” after-tax contributions from the total distribution. This can be complex for annuities and may require IRS Publication 575.

    Financial institutions make these available in your online portal by late January. If you haven’t received yours, contact your plan administrator or the financial institution that holds your retirement account.

    The tax rate depends on your total annual income and tax bracket. Distributions are generally taxed as ordinary income, not at the lower capital gains rate.

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