A surviving spouse inherits a traditional IRA from their deceased spouse. Which option is unique to a surviving spouse that other beneficiaries do not have?
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A
Roll the IRA into their own IRA and delay RMDs to age 73
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B
Disclaim the IRA within 18 months of death
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C
Take a lump-sum distribution penalty-free regardless of age
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D
Stretch distributions over 5 years from date of death