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All FAQs about tax forms

That depends on the form. This chart explains when we send each tax form and who we send it to:
*1099-DIV for TIAA-CREF Real Estate Securities Fund will be sent by Feb. 28.

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Yes, to view and print your tax forms, please log in to your account and navigate to your documents.

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That depends on the code. For a detailed explanation of the distribution codes, please refer to the back side of the printed form or visit the IRS website.

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You can send in a signed and dated letter of instruction (LOI). You’ll need to provide your contract numbers and the dollar amount, or percentage, you want withheld from each payment.

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Include a signed and dated letter of instruction (LOI) with your completed withdrawal form.
The LOI should include:
- Your contract numbers.
- Dollar amount (or %) you want withheld from each payment. The amount can be as low as the amount required by your state (if any). It can also be higher.

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If we're required to report a transaction you made to the IRS, we'll send you a tax form. Receipt of a form does not necessarily mean you owe taxes on a transaction.1
Didn't get a tax form?
If you did not receive a tax form from TIAA and were expecting one, it may be that you had no transactions that need to be reported. For example, normal contributions and direct transfers from one plan custodian to another are not reportable events and do not result in a tax form.
 
1The tax information contained above is not intended to be used, and cannot be used by any taxpayer, for the pqurpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed herein. TIAA or its affiliates do not provide tax advice. Please consult your tax advisor.
 

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Yes, you may obtain a duplicate tax form in one of the following ways:
• Online: Log into your account and navigate to your online documents.
• Request one by phone: Call 800-842-2252 weekdays, 8 a.m.-10 p.m. (ET) or Saturdays, 9 a.m.-6 p.m. (ET).

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You might have received more than one tax form if you had transactions that were:
1. Reportable with more than one subsidiary company of TIAA.
2. Reportable on forms that are processed at different times or have different distribution or income codes.
Here are three types of transactions that would trigger multiple tax forms:
• Withdrawals from a retirement account and brokerage or mutual fund account in the same year.
• Withdrawals from multiple retirement plan accounts (i.e. accumulations from different employers).
• Withdrawals from one plan that holds a combination of pre-tax and after-tax contributions.

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This is different for everyone because it depends on a number of factors. For detailed guidance, please ask a tax advisor or review IRS Publication 505, "Tax Withholding and Estimated Tax."
Tip: Don't wait until the end of the year to realize that you have not had enough taxes withheld throughout the year.

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You have two options:
1) Provide your withholding instructions online. See TIAAs tax-related forms.
2) Print and mail in your completed form(s) with your withdrawal form.
Changing your withholding election to zero
You may change your withholding amount to zero by calling us at 800-842-2252, weekdays, 8 a.m.-10 p.m. (ET) or Saturday, 9 a.m.-6 p.m. (ET).
 

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Form W-8BEN is used to certify your foreign status while a W-7 is used to request a taxpayer ID number from the IRS.
The W-8BEN form is required for non-U.S. citizens living outside of the U.S. when they request withholding at the treaty rate, if applicable.
A W-7 form is used to request a taxpayer Identification number from the IRS if you are unable to obtain a Social Security number. The W-7 form should be attached to your applicable 1040 tax return when filing with the IRS. You do not need to send it to TIAA.
Tax forms are complicated. If you have additional questions regarding your tax forms, please call us at 800-842-2252. We're here every weekday from 8 a.m. to 10 p.m. (ET) and Saturday from 9 a.m. to 6 p.m. (ET).

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