So I will select the 8915-E in my client's 2021 file, and check the box that it is for 2020 I.e. the distribution was in 2020.

So in effect, because the program failed to make a carryover, I am creating one, correct?

Does everything work correctly in terms of the taxes and the income being only one-third in 2021? If yes, I will proceed to test this and implement. Just have to make sure something doesn't explode later in another update.

And also, why doesn't the program tell us what you just told me? Why does the program tell me to go to a "Qualified 2020 Disaster Retirement Plan Distributions and Repayments Worksheet"? When no such Worksheet exists? - I know - don't ask why!!