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I've picked up a little info that I can skip a Required Minimum Distribution (RMD) from a company's 401 in the year I turn 70 1/2, if I am still working for such company.

Please note - not just any 401(k) RMD can be 'skipped'. The 401(k) that you are attempting to not take the RMD from has to be the plan sponsored by the company that you are working for.

I haven't found any info on what defines "working." Does it have to be 40 hours a week for the year, or can it be part time? Can it be for just a week or two in the calendar year?

All the rules for skipping 401(k) distributions if you are working for the company are specific to that company's plan. So the definition of 'working' would be dependent on what rules the company's plan requires. At a minimum, it would probably have to be enough so that you are qualified to make contributions to the 401(k). So if the company requires that one has to work, say, at least 20 hours per week in order to make contributions, then you would have to be working at least 20 hours a week.

And as far as 'working a week or two during the calendar year' - that's not going to fly unless you are still considered employed during the entire year, even though you only worked a week or two. As soon as you stop working at the company, the RMDs will need to start again.

Why are you so focused on not taking RMDs from your 401(k)?

AJ
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