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nope, I turned 70 1/2 and started taking RMD from my investment accounts as required at that time.  My pension however started 22 years ago.  The pension plan has no RMD just a commitment to keep sending those monthly checks.  If the Plan should fail and not be able to make the payments, ERISA takes over the payments up to their limits.  As it happens, I and most of my fellow retirees believe our Plan purchases an annuity for each person as they retire so ERISA has no exposure.