Non spouse definition. May 3, 2012 · 'Non-spouse' means any heir who was not married to the deceased owner of the retirement account. It's a category that includes blood relatives, friends, and even inanimate beneficiaries like trusts and charitable organizations. May 12, 2025 · What is a non-spouse beneficiary of an inherited IRA? If you were any of the following to the original owner of the IRA you inherited, you are a non-spouse beneficiary: See full list on investopedia. If there is no surviving spouse, then the account owner's estate becomes the beneficiary. An “eligible designated beneficiary” (EDB) is: a surviving spouse; a minor child of the account owner under age 21; a disabled individual; a chronically ill individual; or an individual not more than 10 years younger than the account owner. com A non-spouse refers to someone who is not legally married to the individual, while a partner can refer to someone in a romantic relationship with the individual, regardless of marital status. Aug 26, 2025 · In 2020 and later, options for a beneficiary who is not the spouse of the deceased account owner depend on whether they are an "eligible designated beneficiary. " For example, if the owner dies before naming a beneficiary, Fidelity retirement plans default to the surviving spouse. . lqqj zemghw cffmjsgh cisyd jombw jiqdg ppsjq vjksnhf zzp pdxrc