If you received distributions from pensions, annuities, retirement plans, or IRAs in 2025, you will likely get Form 1099-R. Filing it accurately by the Jan 31, 2026 deadline is critical to avoid IRS penalties and ensure proper reporting. This guide walks you through deadlines, reporting steps, common mistakes, and trusted platforms to simplify your filing.
Call +1-866-513-4656 for expert assistance.
What Is Form 1099-R?
Form 1099-R reports distributions from retirement accounts, pensions, annuities, and IRAs. Even partial distributions, rollovers, or taxable amounts must be reported properly to avoid penalties.
Common 1099-R Distributions
- Pension payments
- Annuity distributions
- IRA distributions (traditional and Roth)
- 401(k) or other employer-sponsored plan distributions
- Early withdrawal distributions
A copy is sent to both you and the IRS, so accuracy is essential.
1099-R Filing Deadline
The critical IRS deadline:
- Recipient Deadline: January 31, 2026
- Tax Year Covered: 2025 distributions
If your form is missing or incorrect, call +1-866-513-4656 immediately for guidance.
How to Report Form 1099-R Distributions
1. Review Your Form Carefully
Verify payer information, gross distribution, taxable amount, and any taxes withheld.
2. Report Distributions on Your Tax Return
Distributions are usually reported on Form 1040, with early withdrawals sometimes requiring Form 5329.
3. Include Rollovers and Partial Distributions
Properly report rollovers to avoid unnecessary taxation.
4. File Using Trusted Platforms
You can use trusted platforms like:
These platforms help ensure accurate reporting and timely filing before the Jan 31, 2026 deadline.
Penalties for Not Filing 1099-R Correctly
Failing to report distributions accurately may result in:
- IRS notices or audits
- Underreporting penalties
- Early withdrawal penalties if applicable
- Interest on unpaid taxes
Since the IRS already receives a copy, mismatches are quickly flagged. Call +1-866-513-4656 for expert help.
Best Practices for Accurate 1099-R Filing
- Keep all retirement plan statements organized
- Verify taxable amounts against plan records
- Report all distributions, including rollovers and early withdrawals
- File early to avoid last-minute errors before the Jan 31, 2026 deadline
- Seek professional guidance for multiple retirement accounts
Why the IRS Monitors Retirement Distributions Closely
Distributions from retirement accounts are often audited for underreporting. The IRS matches reported income with plan administrator records, so accuracy is key to avoiding penalties.
Final Thoughts
Filing Form 1099-R Distributions from pensions, annuities, and retirement plans accurately before Jan 31, 2026 protects your finances and ensures IRS compliance. Whether you received a single distribution or multiple payments, proper reporting is critical.
Call +1-866-513-4656 today for professional guidance and file with confidence.
FAQs
1. What if I don’t receive my Form 1099-R by Jan 31, 2026?
Contact your plan administrator immediately. If unresolved, estimate your distributions and report them. Call +1-866-513-4656 for expert assistance.
2. Are rollovers taxable?
No, if completed properly between qualified accounts. Improper rollovers may trigger taxes.
3. Are early withdrawals subject to penalties?
Yes. Withdrawals before age 59½ may face a 10% early withdrawal penalty unless an exception applies.
4. Can I e-file my return with 1099-R distributions?
Yes. Platforms like TurboTax and QuickBooks simplify e-filing and ensure accuracy.
