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Subject:  Re: Inherited IRA Date:  12/8/2013  7:22 PM
Author:  TMFPMarti Number:  119672 of 130019

Are the rules for a 401K plan the same as an IRA?

I'm so sorry your need for this information is so immediate.

The law was changed a couple of years ago to allow the same treatment for non-spouse 401(k) beneficiaries, but plans were not required to change their rules. You'll have to check with the plan. Assuming they did update, it must be a direct transfer from the plan to the beneficiary's inherited IRA.

As for this year's RMD from the 401(k), it's the same as for IRAs. If it's distributed after the date of death it goes to the beneficiaries.

IRS Publication 575 has the info on 401(k)'s.

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