No, being a beneficiary does not. Although, he may have to deplete this in order to pay for LTC or medical bills. Quite possibly there will be nothing left anyway.
Bumping this up. I hope others have some insights on this.
My guess would be no. Divorced mom is just a beneficiary on the IRA in the event that he dies before using all of it, your father is still alive, and he and she are divorced, so I don't think her assets could come into it at all.
My guess would be no. Divorced mom is just a beneficiary on the IRA in the event that he dies before using all of it, your father is still alive, and he and she are divorced, so I don't think her assets could come into it at all.