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Could my disability certification based on the the SSA's evaluation somehow reduce the tax consequences of my early IRA withdrawal that I received a month earlier? (I suspect NOT.)

I would report on Form 5329 disability as the reason you are exempt from the 10% penalty from the IRA withdrawal. (You would have to fill out the form anyway to show penalty. Form 1099-R does not state the month that the IRA payment was made, so, unless they examine your bank records they would be unable to determine that the withdrawal was one month early. Also, an appropriate M.D.s note would buttress your case in case of an audit.

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