Virtually all pension plans/annuities are a type of financial mechanism that requires RMD's after reaching the age of 70 1/2, even though you have no control over that - or do not even realize that it is a RMD. In effect, all qualified annuities are RMD's.
When you are receiving a regular monthly payment from a pension plan, or a regular distribution from a retirement account or annuity, it usually has been "amortized" over your expected lifetime, or over some "period-certain" of 10+ years. This is exactly what the RMD is all about. The IRS wants to be sure you are receiving (and paying tax on) adequate distributions from your retirement accounts each year.
So, if you are continuing to receive the same pension/annuity/retirement account distribution every month/year over your expected lifetime, then you are indeed receiving your RMD each year. You are not in jeopardy of having failed to receive your required annual RMD each year. It is automatic. As long as you are receiving periodic payments, you have met the RMD requirement.
