The Internal Revenue Service (IRS) requires you to take a required minimum distribution (RMD) by a certain age if you have an interest in receiving a pension benefit. Section 401(a)(9) of the Internal Revenue Code requires INPRS to begin paying benefit distributions starting April 1 of the calendar year following the calendar year in which you reach the RMD age specified by the IRS, as shown below:
| RMD Age | Condition(s) | Source |
| 70½ | Reach age 70½ before 01/01/2020 | Pre Secure Acts |
| 72 | Turn 70½ on and after 01/01/2020 | Secure 1.0 |
| 73 | Turn 72 on and after 01/01/2023 & reaches 73 before 01/01/2033 | Secure Act 2.0 |
| 75 | Turn 74 on or after 01/01/2033 | Secure Act 2.0 |
- Anyone who turned 72 in 2022 or earlier follows the old rules. Those who turned 72 in 2022 had to take their first RMD no later than April 1, 2023.
- Those who turn 72 in 2023 and any time through 12/31/2032 (born from 1951 to 1959) must take their first RMD by April 1 of the year after they turn age 73.
- Anyone born in 1960 or later must take their first RMD by April 1 of the year after they turn age 75.