After rules changes, how will my IRA distribution work this year? Updated 9:30 PM; Q. I turned 71 in October 2020. I have not yet taken a Required Minimum Distribution (RMD) from my IRA accounts because of last year’s changes from COVID-19. So for this year, what age do I use on the IRS worksheet to determine my RMD? Must I take it by April 1, and do I only have to take one this year? — Retired A. These are great questions. Required Minimum Distributions (RMDS) have changed significantly in the past few years, and the elimination of the RMD in 2020 because of COVID just adds to the confusion.