Thank you, KarenM90, for providing a reply. However, I think TT needs to do better in helping users know that their pension is a "defined benefit plan" that is not subject to RMD. When I ran into this problem last year, I had no idea what a defined benefit plan was or that my pension was such a plan. I had to do a lot of research on my pension's website to learn that it was a defined benefit plan. They didn't provide any information about RMDs or that they weren't required for this plan. So, I had to do a lot of research on IRS.gov to learn that RMDs don't apply here. After that, I struggled to find a way to correctly answer TT's questions. I didn't know that my answers weren't reported on my tax form. And the trick of saying that all of my distributions constituted the full RMD for this plan didn't occur to me and doesn't make sense anyhow. So, I think TT should probe further to determine if a pension is a defined benefit plan or at least to provide more information about whether an RMD applies to this pension.
