I find this a bit confusing. You used quotes, yet you are the one who prepared 2020, 2021 and now 2022, but you still used "told" as if it is suspicious? You can and should read all of the info and updates and elections and provisions that apply to things like this, and over three years now, nothing changed, because all of the provisions and eligibility was from only one or more 2020 distributions. Are you sure they even qualified?

https://www.irs.gov/pub/irs-drop/n-20-50.pdf

And yes, it appears you overlooked the disaster distribution form 8915 in the prior years.

https://proconnect.intuit.com/support/en-us/help-article/retirement-tax-credits-deductions/generatin...