--- title: Proposed Changes to IRA Minimum Distribution Rules - RMC Group description: Learn about proposed changes to IRA minimum distribution rules, including raising the withdrawal age and removing contribution limits. image: https://rmcgp.com/hubfs/blog76.jpg --- [ ← Back to Blog ](https://rmcgp.com/blog) # Proposed Changes to IRA Minimum Distribution Rules Written By RMC Group Published on: May 31, 2019 **Categories:** Retirement Plans ![Proposed Changes to IRA Minimum Distribution Rules](https://rmcgp.com/hubfs/blog76.jpg) On May 23, 2019, the U.S. House of Representatives approved legislation that relaxes the rules for mandatory minimum distributions for retirement savers. Currently, an individual is required to take minimum distributions from an IRA at age 70 1/2.  If the legislation, as passed by the House, is passed by the Senate and signed into law by the President, the age, at which retirees must start withdrawing from their individual retirement account(s), will increase to 72. Here is an example to illustrate how the legislation, if enacted into law, would affect an individual’s required minimum distribution. The value of the IRA at the close of business on December 31st of the prior year is divided by the age on the table below. The minimum distribution for a 72 year old with an IRA value of $100,000 would be 100,000/ 25.6 (age 72), giving this person a payout of $3,906.25. | **UNIFORM LIFETIME – TABLE III** | | | | | --- | --- | --- | --- | | For use by: - Unmarried owners, - Married owners whose spouses aren’t more than 10 years younger, and - Married owners whose spouses aren’t the sole beneficiaries of their IRAs Otherwise, Table I or Table II may apply | | | | | **Age** | **Distribution Period** | **Age** | **Distribution Period** | | 70 | 27.4 | 93 | 9.6 | | 71 | 26.5 | 94 | 9.1 | | 72 | 25.6 | 95 | 8.6 | | 73 | 24.7 | 96 | 8.1 | | 74 | 23.8 | 97 | 7.6 | | 75 | 22.9 | 98 | 7.1 | | 76 | 22.0 | 99 | 6.7 | | 77 | 21.2 | 100 | 6.3 | | 78 | 20.3 | 101 | 5.9 | | 79 | 19.5 | 102 | 5.5 | | 80 | 18.7 | 103 | 5.2 | | 81 | 17.9 | 104 | 4.9 | | 82 | 17.1 | 105 | 4.5 | | 83 | 16.3 | 106 | 4.2 | | 84 | 15.5 | 107 | 3.9 | | 85 | 14.8 | 108 | 3.7 | | 86 | 14.1 | 109 | 3.4 | | 87 | 13.4 | 110 | 3.1 | | 88 | 12.7 | 111 | 2.9 | | 89 | 12.0 | 112 | 2.6 | | 90 | 11.4 | 113 | 2.4 | | 91 | 10.8 | 114 | 2.1 | | 92 | 10.2 | 115 and over | 1.9 |   In addition, the bill removes the age limit at which a taxpayer must stop contributing to a plan. 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