Take a distribution. To receive a 1099-R, you must withdraw money from one or more of your retirement accounts. This withdrawal will be reported to the Internal Revenue Service as a distribution. You will receive a 1099-R for each retirement account from which you've withdrawn funds during the year.
Gather all of your 1099-R forms. You cannot file your taxes until you have received a 1099-R for each account from which you made a withdrawal. If you have not received your expected 1099-R forms by mid-February, contact your retirement plan administrator and request another copy. You may also be able to access your 1099-R forms online.
File your taxes. Each 1099-R will have separate sheets that you can use to file your federal and state tax returns. The procedure for filing state tax returns may vary, depending on where you live, but in most cases, you will simply transfer the amounts from your 1009-R forms to your federal 1040 tax return. If state taxes were withheld from your retirement account distributions, enter the total amount withheld on your state tax return. Consult with your state tax board to determine any other filing requirements specific to your state.