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FAQ #37908

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I've read about the "still working exception" for RMDs (required minimum distributions) from tax-deferred retirement savings plans. How is "still working" defined? For example, if a teacher with a 403(b) tax-sheltered annuity retires and substitute teaches one day per year, is she considered "still working"? Can she avoid RMDs?

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"Still working" means you have not retired from the position in which you were covered by the 403(b) plan. If you retire from a teaching position and continue to work for the school as an occasional substitute teacher, you are no longer contributing to the 403(b) plan, and thus you are considered retired.

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