If a spouse inherits an IRA, IRS publication 590 explains that it can be treated as the survivor's own IRA. (Similarly for a 403B in publication
571.) An advantage of this choice can be longer deferral of the required minimum distribution.Is the same true if a spouse inherits a 401K?
Yes.
In essence yes, but check with the plan about options. A lot of things in
401(k)'s are plan specific, and that could include options for spousal beneficiaries. The IRS Pub is 575.-------------- Phil Marti, VITA Volunteer Clarksburg, MD
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