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Level 1
posted Jun 6, 2019 12:39:57 AM

Do I report a RMD for a traditional pension and three annuities that all have fixed annual amounts taken in monthly installments?

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1 Best answer
Intuit Alumni
Jun 6, 2019 12:39:58 AM

Yes for the pension, and maybe for the annuities.

Nonqualified annuities (those held outside a retirement account) generally have no requirement to withdraw your funds at any age unless required by the annuity contract itself. Some contracts force distributions or annuitization to begin at a certain age, generally from age 85 to 100. A few contracts do not require distribution of the proceeds until death. 

Your 1099-R issuer is required to follow RMD rules and regulations, so if you received a distribution and you're at least 70 1/2, you can be almost certain you received an RMD. Check with your plan administrator if you're still not sure.

Required Minimum Distribution (RMD) rules apply to all employer-sponsored retirement plans such as pensions, profit-sharing, 401(k), 403(b), and 457(b) plans, as well as Traditional IRAs and IRA-based plans such as SEPs, SARSEPs, and SIMPLE IRAs. However, RMDs are not required for Roth IRAs while the owner is still alive.


3 Replies
Intuit Alumni
Jun 6, 2019 12:39:58 AM

Yes for the pension, and maybe for the annuities.

Nonqualified annuities (those held outside a retirement account) generally have no requirement to withdraw your funds at any age unless required by the annuity contract itself. Some contracts force distributions or annuitization to begin at a certain age, generally from age 85 to 100. A few contracts do not require distribution of the proceeds until death. 

Your 1099-R issuer is required to follow RMD rules and regulations, so if you received a distribution and you're at least 70 1/2, you can be almost certain you received an RMD. Check with your plan administrator if you're still not sure.

Required Minimum Distribution (RMD) rules apply to all employer-sponsored retirement plans such as pensions, profit-sharing, 401(k), 403(b), and 457(b) plans, as well as Traditional IRAs and IRA-based plans such as SEPs, SARSEPs, and SIMPLE IRAs. However, RMDs are not required for Roth IRAs while the owner is still alive.


Level 1
Jun 6, 2019 12:40:00 AM

Thank you.  The annuities are outside of a retirement account and I have no control over the annual amount, which continues until my death.  I am confused as to how to answer the RMD questions.  Is the annual amount my RMD?

Intuit Alumni
Jun 6, 2019 12:40:01 AM

Yes. If you are in doubt as to the amount of your pension RMD, contact the financial institution, but what they distribute each year should be correct.