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Federal Employees Benefits Q &A

Do you have questions about your federal employee CSRS or FERS pension/annuity or federal employee retirement planning? Concerns about your Thrift Savings Plan (TSP) account or what about federal employee pay and leave issues?

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The Q&A forum is moderated by Ed Zurndorfer -- an expert on federal employee benefits -- and a Certified Financial Planner, chartered life underwriter and chartered financial consultant in Maryland.

Zurndorfer is also the author of several federal employee benefits guides published by Federal Employees News Digest.

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#1 Posted : Sunday, April 15, 2007 11:47:15 PM(UTC)

Rank: Newbie

Groups: Registered
Joined: 6/8/2006(UTC)
Posts: 3

Last year my spouse had to start taking his RMD from TSP. I am more than 10 yrs. younger than him. TSP said he could not use the IRS Joint Life and Last Survivor Expectancy Table to figure his RMD. They said he would have to use the Uniform Lifetime Table that is posted at the TSP site. He called again today and they confirmed that. It doesn't seem right since you can use the IRS table for IRA RMD's.
Ed Zurndorfer  
#2 Posted : Monday, April 16, 2007 11:42:01 AM(UTC)
Ed Zurndorfer

Rank: Senior Member

Groups: Registered
Joined: 9/10/2001(UTC)
Posts: 4,408

To get around this problem, your spouse could rollover all of his TSP account to a traditional IRA. While he would still be required to withdraw each year the required minimum distribution (RMD) from the IRA, he could use the joint life and last survivor expectancy table rather than the Uniform Lifetime Table in calculating the RMD.
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