Yes! You can use AI to fill out Request for Recurring Required Minimum Distributions From Your Retirement Investments (Non-ERISA)
TIAA Form F11489, Request for Recurring Required Minimum Distributions, allows an individual to authorize TIAA to automatically calculate and pay out their required minimum distributions from their non-ERISA retirement investments. This is important for meeting IRS regulations and avoiding potential tax penalties for failing to take required distributions after a certain age. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form specifications
| Form name: | Request for Recurring Required Minimum Distributions From Your Retirement Investments (Non-ERISA) |
| Number of pages: | 1 |
| Language: | English |
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Are you looking to fill out a F11489 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your F11489 form in just 37 seconds or less.
Follow these steps to fill out your F11489 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select Form F11489.
- 2 In Section 1, provide your personal information, including your full name, Social Security Number, date of birth, and legal residence.
- 3 Specify the plan number and name from which you want to receive your distributions in Section 2.
- 4 Choose your payment schedule in Section 3, indicating the start date and frequency (monthly, quarterly, etc.) of your distributions.
- 5 Complete the Federal Tax Withholding Election (Substitute Form W-4P) in Section 5 to determine the amount of federal tax withheld from your payments.
- 6 Provide your payment instructions in Section 7, selecting either direct deposit to a bank account or a mailed check.
- 7 Review all sections for accuracy, then sign and date the form in Section 9 to authorize the request.
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Frequently Asked Questions About Form F11489
This form allows you to set up automatic, recurring Required Minimum Distributions (RMDs) from your TIAA retirement plan. It helps you meet annual IRS withdrawal requirements without needing to submit a request each year.
You should complete this form if you are a TIAA retirement plan participant who has reached your RMD Applicable Age and wish to start receiving recurring minimum distributions from your non-ERISA retirement investments.
You will need your personal details including your full Social Security Number, your TIAA Plan Number and Plan Name, and your bank account information for direct deposit. Depending on your plan, you may also need an authorized signature from your employer's plan representative.
No, you must complete a separate Form F11489 for each individual retirement plan you want to receive distributions from. Section 2 of the form is designed to be completed for only one plan.
The form allows you to select a payment frequency of monthly, quarterly, semiannually, or annually. If you do not make a selection, TIAA will default to making annual payments.
If you leave the Federal Tax Withholding Election (Section 5) blank, TIAA is required by law to withhold federal income tax at the default rate for a single filer. You must complete this section to specify a different withholding status or to elect no withholding.
You can choose to receive your payments via direct deposit to a verified bank account or have a paper check mailed to your address on file. The form also provides an option to transfer the funds to another eligible TIAA account.
TIAA provides multiple submission options, including digital signature and submission, uploading via the TIAA mobile app or website, fax, or standard/overnight mail. The specific addresses and fax numbers are listed on the form's instruction pages.
This depends on your specific plan's requirements. If your plan requires employer authorization for withdrawals, you must have Section 10 signed by your plan's representative before submitting the form.
Yes, if you are a non-U.S. citizen, you must have a valid IRS Form W-8BEN on file with TIAA to certify your foreign tax status. TIAA cannot process your distribution request without this certification.
TIAA will calculate your RMD amount annually based on IRS rules. By default, the Uniform Lifetime Table is used, but if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life Expectancy method may be used instead.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your saved information, which can save you time and help prevent errors. This is especially helpful for complex forms with multiple sections.
Simply upload the TIAA F11489 PDF to the Instafill.ai platform. The AI will make the document interactive, allowing you to click and fill fields instantly with your securely stored personal information, making the process fast and easy.
If you have a non-fillable or 'flat' PDF, you can upload it to a service like Instafill.ai. The platform can convert it into an interactive, fillable form, allowing you to easily type in your information before printing or submitting it digitally.
Compliance F11489
Validation Checks by Instafill.ai
1
Validates Social Security Number/Taxpayer Identification Number Format
This check ensures that the Social Security Number or Taxpayer Identification Number provided in Section 1 is a complete, 9-digit number. This is critical for accurate tax reporting to the IRS and proper identification of the participant's account. If the number is missing or malformed, the form cannot be processed, and tax withholding may be incorrect.
2
Ensures Separation Date is Provided When Required
This validation checks that if the user answers 'YES' to 'Have you stopped working for the employer that sponsored this plan?' in Section 2, the 'Separation from Service Date' field is filled with a valid date. This date is crucial as it can affect the required beginning date for distributions. Failure to provide this date when required will halt processing until the information is supplied.
3
Verifies Mutual Exclusivity of Payment Start Options
This check ensures that in Section 3, the user has selected only one of the three payment start options (A, B, or C). Selecting multiple options creates ambiguity in the payment instructions. If more than one option is checked, the form will be considered not in good order and returned to the user for correction.
4
Validates Payment Start Day of Month
This check verifies that the day selected for payment start dates in Section 3 is between the 1st and the 28th of the month (or 5th to 28th for TPA plans). This rule exists due to system processing constraints for scheduling recurring payments. An invalid day will be defaulted to a permissible date (e.g., the 5th) or may cause the request to be rejected.
5
Confirms Spouse Age Difference for Joint Life Expectancy Calculation
If the user answers 'YES' in Section 4, indicating their spouse is more than 10 years younger, this validation compares the participant's Date of Birth with the Spouse's Birth Date. It confirms the spouse is indeed more than 10 years younger, which is a requirement for using the Joint Life Expectancy method for RMD calculation. An incorrect 'YES' response will lead to miscalculation of the distribution amount, so the system will default to the Uniform Lifetime Table if the dates do not align.
6
Ensures Completeness of Spouse Information When Applicable
This check ensures that if the user answers 'YES' in Section 4, both the 'Spouse’s Name' and 'Spouse’s Birth Date' fields are completed. This information is mandatory for verifying eligibility for the Joint Life Expectancy calculation method. Incomplete information will prevent the use of this calculation method and may delay the processing of the request.
7
Validates 'No Withholding' Election Logic
This check verifies that if the 'I am electing no federal withholding' box is checked in Section 5, then the detailed withholding fields in Steps 1-4 of the Substitute W-4P are left blank. The form instructions state that completing these steps can invalidate the 'No Withholding' election. If both are filled, the system will default to withholding at the 'single' rate, which may not be the user's intent.
8
Verifies Mutual Exclusivity of Payment Destination
This validation ensures that the user has provided instructions in either Section 6 ('Send Your Withdrawal to a TIAA Account') or Section 7 ('Provide Payment Instructions'), but not both. Funds can only be sent to one destination per transaction. If both sections are completed, the form is ambiguous and will be rejected, requiring clarification from the user.
9
Validates Signature Date Timeliness
This check confirms that the 'Today’s Date' provided with the signature in Section 9 is within 180 days of the requested payment start date from Section 3. This is a standard requirement to ensure the user's intent is current at the time of processing. A signature date that is too old ('stale-dated') will render the form invalid, and a new, currently dated form will be required.
10
Verifies Foreign Status Documentation
This check validates that if the 'Citizenship' field in Section 1 is anything other than 'U.S.', a valid IRS Form W-8BEN is on file or has been submitted with this request. This is a legal requirement for non-U.S. persons to claim tax treaty benefits and ensure correct tax withholding. Without a valid W-8BEN, distributions are subject to a statutory 30% withholding rate, and the request may be delayed or rejected.
11
Ensures Plan Information is Complete
This validation confirms that both the 'Plan Number' and 'Plan Name' fields in Section 2 are filled out. The form explicitly states it can only be used for one plan, so this information is essential to identify which specific retirement account the distribution should be taken from. Missing plan information makes the request impossible to fulfill and will result in rejection.
12
Validates RMD Age and Payment Option Alignment
This check cross-references the participant's Date of Birth from Section 1 with the IRS RMD Applicable Age rules and the payment option selected in Section 3. For example, it ensures that a user selecting Option B (start payments by April 1 of the year AFTER RMD age) has actually reached their RMD age in the prior calendar year. A mismatch indicates a misunderstanding of the rules, and the form will be flagged for review or correction.
13
Verifies Consistency of Separation Date
This check compares the 'Separation from Service Date' entered by the participant in Section 2 with the 'Date of Separation of Service' entered by the Plan Representative in Section 10, if applicable. The dates must match to ensure both parties are referencing the same employment termination event. A discrepancy could indicate an error and will require clarification before the withdrawal can be processed.
14
Ensures Payment Frequency is Selected
This validation confirms that for the chosen payment option in Section 3, a payment frequency (Monthly, Quarterly, Semiannually, or Annually) has been selected. This is a critical instruction for setting up the recurring payments correctly. If no frequency is selected, the system will apply the default 'Annual' frequency, which may not match the participant's desired payment schedule.
Common Mistakes in Completing F11489
The form explicitly states that a separate form is required for each retirement plan (e.g., a 403(b) and a 401(a)). Applicants often miss this instruction and list multiple plans on a single form to save time, which will cause the request to be rejected. To avoid this, carefully identify each distinct plan number and submit a dedicated form for each one to ensure proper processing.
The substitute W-4P in Section 5 is complex, leading to frequent errors. For example, people may check the 'No Withholding' box while also filling out Steps 1-4, which invalidates the election and forces a default withholding rate. These mistakes can result in incorrect tax amounts being withheld, leading to unexpected tax bills or smaller refunds. AI-powered tools like Instafill.ai can help guide users through complex tax sections to ensure the form is completed accurately.
Section 10 requires a signature from the employer's plan representative if mandated by the plan. Participants, especially those who have already separated from the employer, often overlook this section or assume it's not needed, causing significant processing delays. Before submitting, you must confirm with TIAA or your former employer if this authorization is necessary for your specific plan.
Applicants frequently provide bank details in Section 7 for an account that has not yet been verified by TIAA, as instructed in Section 8. This causes the direct deposit request to fail, and the payment defaults to a check mailed to the address on file, delaying access to funds. To prevent this, you must first add and verify the bank account online or by phone before submitting this form.
Section 3 offers different start date options (A vs. B) that have significant tax implications. Option B results in two distributions in the first year, which can push the recipient into a higher tax bracket unexpectedly. People often choose an option without fully understanding the consequences. Consulting a tax professional is crucial, and using a tool that can highlight these critical choices can prevent costly errors.
A full and accurate Social Security Number or Taxpayer Identification Number is required in Section 1 for tax reporting and identity verification. Even a single incorrect or missing digit will cause the form to be rejected as 'not in good order,' halting the entire distribution process. Using an AI form-filler like Instafill.ai can help prevent this by validating the format and ensuring the field is not left blank.
In Section 2, the questions 'Have you stopped working for the employer?' and the 'Separation from Service Date' are critical for determining eligibility for distributions. Applicants often forget to check 'YES' and provide the date, especially if they left the employer years ago. This omission can stop the application, as TIAA may need to verify employment status before proceeding.
Section 4 asks if your spouse is more than 10 years younger AND the sole beneficiary, which affects the RMD calculation method. People may answer 'Yes' if their spouse is 10 years younger but not the sole beneficiary, or they may not be married and skip the section without checking 'No'. An incorrect answer here leads to a miscalculation of the distribution amount. Since this form is a non-fillable PDF, a tool like Instafill.ai can convert it into a fillable version with smart fields that provide guidance on such complex rules.
If the complex tax withholding section (Section 5) is left blank, TIAA is required by law to apply the default federal withholding rate of 'Single'. A person who is married may not realize this, resulting in significantly less tax being withheld than necessary. This can lead to a large, unexpected tax liability and potential underpayment penalties when they file their annual tax return.
Section 6 allows directing the withdrawal to another TIAA account, but the form notes this is not a rollover. RMDs are taxable distributions and cannot be rolled over into another tax-deferred retirement account. A common mistake is selecting an IRA account in this section with the incorrect assumption that the transfer will be tax-free, which is not permissible under IRS rules.
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