RMD 10 Year Rule

[ALS]

Prior to the SECURE Act, plans could choose which beneficiaries to apply the 5-year rule to. The default was to only nonperson nonspouse beneficiaries. Some plans would apply it to all nonspouse  beneficiaries. With the SECURE Act, can plans apply the 10 year rule to all nonspouse beneficiaries, including eligible designated beneficiaries (EDBs)? Or must EDBs receive RMDs starting the year after death?

[Bird]

17 hours ago, ALS said:

Or must EDBs receive RMDs starting the year after death?

(I think) the point of the new rule is that all money has to come out within 10 years; it doesn't matter when or how.  Effectively there is nothing saying anything has to happen in the year after death.