Department of Management Services

SMSOAP - How to Request a Required Minimum Distribution

What is a Required Minimum Distribution (RMD)?

According to the Internal Revenue Service (IRS) you cannot keep retirement funds in your account indefinitely. Your RMD is the minimum amount you must withdraw from your account each year when you reach age 70½.

The RMD only applies to Senior Management Service Optional Annuity Program (SMSOAP) participants that have terminated all employment relationships with their SMSOAP employer and all other participating Florida Retirement System (FRS) employers.

A RMD is not considered a retirement distribution under the SMSOAP and you may go back to employment with a SMSOAP or FRS employer and continue active retirement membership.


How to Request a RMD?

Use Form OAP-RMD (Adobe PDF Document) to request a RMD.

Step 1 – Complete the Required Minimum Distribution Application

  • Complete Sections I and II of the Form OAP-RMD (Adobe PDF Document) and have your signature notarized.
  • Submit Form OAP-RMD and required birth verification to your last SMSOAP or FRS employer.
  • Your last employer will certify and forward the Form OAP-RMD and your birth verification to the Division of Retirement (division).

Step 2 – Contact your Investment Provider Company

  • Request the distribution documents from your Investment Provider Company (Adobe PDF Document).
  • Return completed documents to your Investment Provider Company. 
  • Do not forward the Investment Provider Company’s documents to the division.
  • The division does not sign Investment Provider Company forms. 
  • The division authorizes your distribution by sending your approved application to your Investment Provider Company.

Step 3 – Division Approval of Your RMD Application

  • After verification is completed, the division will forward your approved application to your Investment Provider Company to authorize your distribution.

Step 4 – Your Investment Provider Company Processes Your Distribution

  • Your distribution should be processed by the 15th day of the following month. If you have not received your distribution by the 20th day of the following month, contact your Investment Provider Company.


Acceptable Birth Verification for Normal Retirement Date:

  • Birth certificate registered with Vital Statistics in state of birth
  • Delayed birth certificate
  • Census report more than 30 years old
  • Life insurance policy more than 30 years old
  • Certificate of Naturalization
  • Valid, unexpired U.S. passport
  • If receiving Social Security benefits, a benefits letter from the Social Security
  • Florida drivers license issued after Jan. 1, 2010, that indicates compliance with the federal REAL ID Act
  • Administration stating the date of birth it has established for the payment of benefits

RMD applicants must provide birth verification with the Form OAP-RMD to the Division of Retirement before a distribution can be authorized.       

See more on the topic of RMD on the IRS website.   


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