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Yes, the 1.0 reduction applies for each year but Nationwide used the single life divisor for your actual age in each year. Two of those years had only a .9 reduction and that is why their divisor is now .2 higher than the correct divisor. I am sure they will agree if they actually review the situation. However, since this is not a qualified plan, there is no IRS potential penalty for any shortfall. Will be interesting to see what they propose to do about this since the first distribution shortfall was in 2014. For 2018 the shortfall in distribution would only be about $10.