Yes. I do see where this is an issue. Unfortunately, there is no contingency clause that I am aware of that would prevent the early withdrawal penalty because you are now the owner of this retirement account so the same rules apply whether you were the original recipient or not. This is still a taxable distribution and the early withdrawal penalties apply.
Let me make a suggestion!! Establish an IRA account of your own. Any future distributions can be directly rolled over into your IRA ( as long as you do this within 60 days after you receive the distribution) and this will be a tax-free distribution and you will avoid any early withdrawal penalties. Why not save for your own retirement?
@brew717559
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