Social Security, IRA Beneficiaries, QCDs, and IRMAA Exceptions: Q&A #2321

May 27, 2023

Social Security, IRA Beneficiaries, QCDs, and IRMAA Exceptions: Q&A #2321

Jim and Chris sit down to discuss listener questions relating to Social Security, IRA beneficiaries, OCDs, and IRMAA exceptions.

(9:00) Jim and Chris continue a discussion based on a Michigan listeners situation where he did not receive his full Social Security Delayed Retirement Credits.

(20:15) A Californian listener asks about the timing for her husband claiming his own Social Security benefit then later switching to a spousal benefit.

(32:00) Georgette wonders if she were to claim her husbands pension at his passing if her Social Security benefit would be affected by WEP.

(36:00) Jim and Chris provide clarification on whose life expectancy to use for calculating RMDs when inheriting an IRA as a successor beneficiary from someone who was already the IRA’s successor beneficiary.

(53:00) A listener from Minnesota wonders about trying to do QCDs within employer accounts like 403b’s and 457 plans.

(1:11:15) Georgette from North Carolina wonders if her mother could file for some IRMAA exceptions.

Podcast: Play in new window | Download (Duration: 1:24:02 — 38.5MB)

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