 She says, you guys have talked about the fact that non-spouse beneficiaries are now required to drain their inherited IRAs within 10 years. Is this requirement retroactive? I inherited an IRA from my mother in 2015. I've been taking out their minimum required each year. If I must drain the account within 10 years, will the increase in yearly income affect my Social Security benefit? So that's a good question. Let me explain what Mary Ann is talking about.