Julie filed Jack's return electronically, on April 15, 2018, and Jack received a refund. Two

months later, Jack received a 1099-R from his retirement plan that he failed to give Julie. Once

he notifies Julie of the missing form, what option does she have?

a) File a 1040X by paper within three years of April 15th.

b) File a 1040X electronically by the end of the year.

c) Nothing, they should wait for the IRS to send a letter.

d) File another 1040 with a letter asking the IRS to use the "corrected 1040."