Box 5 actually represents the portion of your after-tax contributions to the MTRS that you are entitled to exclude from your Gross Distribution (in Box 1) for calendar year 2022. Box 5, Employee contributions/Designated Roth contributions or insurance premiums: The title of Box 5 does not accurately reflect what it means for retirees of the Massachusetts Teachers’ Retirement System-in our case it is not related to insurance or Roth contributions.Box 4, Federal income tax withheld: This shows the total amount of federal income tax withheld for calendar year 2022.Box 3: Not applicable for MTRS retirees.For example, the 1099-R issued in the year of a retiree’s death would display “Total distribution” to let the IRS know that the retiree’s monthly benefit payments have ceased. The other box, “Total distribution,” is checked when there are no further distributions payable to you from the MTRS. You may find additional information on how to calculate the non-taxable portion of your benefit in IRS Publication 575 or in the 1040 Workbook under the heading of “Pension Annuity Income” or see the sample Simplified Method worksheet on our website. In this case, you should determine the non-taxable amount yourself. Box 2b: If “Taxable amount not determined” is checked, then the MTRS did not have all of the necessary information to determine the taxable amount, and Box 2a will be blank (see Box 2a, above).In that case, in Box 2b, “Taxable amount not determined” will be checked. If there is no amount in Box 5, the MTRS may not have all the necessary information to determine the taxable amount. ![]() If part of your distribution is not taxable, the nontaxable amount will be displayed in Box 5. Box 2a, Taxable amount: This shows the distribution amount that is taxable.Box 1, Gross distribution: This shows the total distribution amount that you received from the MTRS for the calendar year 2022. ![]()
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