US Tax Tools

Form 1099-R Box 7a

Code 3: Disability

The distribution was made because of the recipient’s disability.

Usual federal tax treatment

The taxable amount is generally ordinary income; the 10% additional tax usually does not apply.

What to do next

Report the distribution on Form 1040 and retain disability documentation.

Estimate this distribution

Enter Box 1, Box 2a, Box 4, your age, other income, and code 3 to estimate taxable income and possible additional tax.

Open the 1099-R calculator

Sources

Related Calculators

Last updated July 29, 2026 Tax year 2026

Data sources: IRS 2026 Instructions for Forms 1099-R and 5498

This tool is general information only, not financial advice.

Reviewed by USTax Tools Editorial Desk

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