I am considering using a Discretionary Trust as Beneficiary for our 401Ks.

I understand that the Supreme Court ruled awhile back that owners of inherited IRAs do not get the protections that original IRA owners do.

I assume the same issue applies to inherited 401Ks?

OR are any reduced creditor protections for either Inherited IRAs or Inherited 401Ks currently just re: the newer bankruptcy rules (from which our states, IL and MI, have opted-out, in which case a non-issue)? Still I imagine that further reductions could always be put in place in the future.