<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Jim and Chris discuss listener emails, opening with listener PSAs on Medicare Advantage HSA reimbursement eligibility, then moving into questions on Social Security beneficiary rules and finishing their look at conduit trusts for IRAs.</p> <p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">(7:00) A listener asks whether Social Security benefits can be passed on to a significant other.</p> <p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">(28:00) The guys continue from last week with a listener&#8217;s multi-part question on whether a conduit trust should be structured to distribute RMDs before allowing any additional withdrawals — as a strategy for controlling how beneficiaries access inherited IRA funds. The listener also asks what else could trigger a large tax bill in that setup, and whether a conduit trust provides creditor protection.</p> <p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">(1:15:30) George asks for the follow-up promised at the end of a recent episode — specifically, the better approach for having a trust inherit an IRA when you&#8217;re concerned about an heir mismanaging the funds.</p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/hsas-social-security-conduit-trusts-qa-2612/">HSA Reimbursement, Social Security, Conduit Trusts: Q&#038;A #2612</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>