Putting RMD back after death of IRA owner in 2020

If an IRA owner died in 2020 after taking their RMD, can the RMD be put back into the IRA under the CARES Act exception by a a surviving spouse who was named as beneficiary? Or does the IRA owner have to be alive to do this?



  • There have been several of these posted since Notice 2020-51. It will largely depend on the IRA custodian’s administrative procedures, and willingness to accept past PLRs allowing it, and extending it to reflect the Notice. The following thread discusses this in detail.
  • https://irahelp.com/forum-post/61581-spousal-beneficiary-question

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