Sorry if my original reply came through, making this one redundant, but I received an error message, so here we go again: Your example with "Betty" was perfect and makes this much more clear. The inheritor does indeed have a regular IRA, but doesn't have to take RMD's from it for another two years. I was wondering how to handle both at the same time, but now I know. I changed the answer to "yes", and the return processed with no errors and no 5329 was generated. Thank you again!
