Donate part of minimum distribution

[SheilaD]

An ummaried participant in a very low benefit DB plan is due 180.00 per month (life annuity). She has terminated and is due minimum distributions starting in 2010 (first due by April 2011). If she receives a monthly benefit of over 150 per month she will lose certain medical benefits (not sure if state or federal). Can she donate all monies due to her in exces of 150 per month to a charity to avoid the problem? How would I code the 1099R to the charity?

any thoughts would be appreciated.

[david rigby]

A few similar discussion threads. Here is one of them: http://benefitslink.com/boards/index.php?showtopic=47508

The Search feature may help you find others.

Bottom line: what the recipient does with the money after receipt is of no consequence to the plan, but most plans will not contain any provision that permits the participant to "waive" or "suspend" the monthly payment.