why do i need a rmd? this is a civil service retirement annuity.

bjgraves · ‎January 23, 2026

your answer does not answer my inquiry

SteamTrain · ‎January 23, 2026

Once you reach age 73, that question is asked of every 1099-R.

Yes, even the Civil Service retirement annuity has an RMD...but that is already determined for you by the issuer, and based on IRS rules. Your RMD is just the box 1 gross total for that 1099-R.

For an IRA or TSP 1099-R, the timing of the RMD distribution is controlled by you...and that has to be calculated each year by you (or commonly with the help of the administrator or a representative of the fund)

____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*

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SteamTrain · ‎January 23, 2026

Once you reach age 73, that question is asked of every 1099-R.

Yes, even the Civil Service retirement annuity has an RMD...but that is already determined for you by the issuer, and based on IRS rules. Your RMD is just the box 1 gross total for that 1099-R.

For an IRA or TSP 1099-R, the timing of the RMD distribution is controlled by you...and that has to be calculated each year by you (or commonly with the help of the administrator or a representative of the fund)

____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*

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why do i need a rmd? this is a civil service retirement annuity.