"She's been through here at least 3 times."

And OMG, updating 2 year old topics for inherited IRAs is one of the worst things to do, because from the covid pandemic forward, Congress has made so many changes. You have to look up what applies for the specifics of any scenario, including ages of the parties involved, as another issue comes from the IRS not finalizing some rules, either.

Benefits were never this hard to manage for others. It's like shopping at the Dollar Store: you never know what's on the shelf until you shop there.