FANFARE: Well, first off, I made it clear to them I was NOT an eligible beneficiary, merely a designated beneficiary and even if I was an eligible, under the section you quoted, my Single Life would be longer than the remaining years of the deceased so my LONGER divisor would be used.
However, you pointed me toward the more likely culprit leading to the misinformation given to me:
"Beneficiary not an individual.
If the beneficiary isn't an individual, determine the required minimum distribution for 2023 as follows.
Death on or after required beginning date.
Divide the account balance at the end of 2022 by the appropriate life expectancy from Table I (Single Life Expectancy) in Appendix B. Use the life expectancy listed next to the owner's age as of his or her birthday in the year of death. Reduce the life expectancy by 1 for each year after the year of death."
Thank you !
