I am the successor beneficiary of a non-spousal IRA. My father passed away last year and his IRA will be going through an estate trust before being split into separate inherited IRA accounts for me and my siblings. My understanding is that I have to use his age at the time of death to calculate the RMD. Is that accurate? Also, I understand that there may be an exemption for the disabled in terms of the time horizon for drawing down the account. My spouse has Parkinson's Disease; does the fact that we file our returns jointly make this inherited IRA eligible for a longer draw-down period? What would that be?
