Is a pension fund able to elect to not follow the new starting ages for RMDs and keep the 70.5?  Client received a letter from their pension stating that they discovered error and should have began distributions in 2022.  Client DOB 4/15/1951. Pension wants to make a large lump sum payment for missed payments which would spike their income as they are still working full-time.  Pension fund has told the client they do not have to follow the new RMD ages.