OK, this is extra weird.  Im seeing this issue in a sample file that I transferred into the program the other day.

If I enter the same 1099R situation in my own file, as well as a different sample file that Ive had in there for months, no issue.  Create a new file, no issue either, I transferred another client file in, no problems on that one....just this one file forces that checkbox.   This makes no sense.

At any rate, IF you see this problem, my work around seems to do the trick!