The $20,000 exclusion is the maximum allowed and it is allocated to beneficiaries based on their percentage of the inheritance. The RMD is going to change every year due to aging and tables and is not related to the percentage inherited.
For example: Ann and Alice inherit their dad's IRA. Each of them gets 50% of the IRA and 50% of the exclusion. They have different ages and have different RMD but the $10,000 exclusion for each does not change.
@mnkms
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