You are here: Home FAQ FAQ Understanding Who Should Be Beneficiary of Your IRA 8. What happens if my spouse dies first?

8. What happens if my spouse dies first?

If you don’t remarry, you lose the rollover option. This used to be a problem, because distributions after your death would still be based on your and your deceased spouse’s life expectancies. But now you can name a new beneficiary, and after you die the distributions will be based on the new beneficiary’s life expectancy.

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