The required minimum distribution is determined by dividing the member’s retirement plan balance as of December 31 for the previous year (minus any pre-1987 balance if younger than age 75) by the member’s life expectancy factor. If the member has more than one account with MMBB, a separate calculation will occur on each account. For example, the member has a balance in the Comprehensive Plan and the Member Contribution Plan. RMD calculations will occur on each account. The member will receive one check for each plan a member has with MMBB and IRS Form 1099-R. The factor used can be found in The Uniform Lifetime Table as published in the Department of Treasury Federal Register 26 CFR Parts 1, 52, and 602. To review your RMD requirements and amount, contact MMBB at (800) 986-6222.