On March 27, 2020, President Trump signed into law the Coronavirus Aid, Relief and Economic Security Act (CARES Act). The bill included direct appropriations and temporary rule changes to stimulate the US economy and provide relief for people affected by COVID-19.

See FAQs below to learn how the CARES Act impacts required minimum distributions (RMDs) from your MNDCP account.


No. Required minimum distributions (RMDs) have been waived for calendar year 2020.

No. All required minimum distributions (RMDs) have been waived for calendar year 2020, including your first RMD (provided you had not already taken the distribution before January 1, 2020).

Some RMDs that were withdrawn within the last 60 days may be eligible to roll back into the MNDCP or another plan that accepts 60-day indirect rollovers.

To learn if your RMD qualifies for the 60-day indirect rollover, contact the MSRS Service Center at 1-800-657-5757.

Yes, the auto-RMD will continue unless you:


  • Suspend the withdrawal until calendar year 2021.

For details on how to cancel or suspend your auto-RMD, call MSRS at 1-800-657-5757.

Note: If you recently submitted a request to MSRS to set-up auto-RMD starting in 2020, we will contact you to discuss your options.

The mandatory RMD age was changed as a result of the SECURE Act (Setting Every Community up for Retirement Enhancement Act of 2019), which was signed into law December 2019. The CARES Act has no impact on the RMD mandatory start age.