Support Home IRAs Must IRA owners take RMDs if they are still working? Must IRA owners take RMDs if they are still working? Yes. IRA owners who have reached their required beginning dates must remove RMDs each year, even if they are still working. Related Questions: How do you change member information in Ascensus? What is a direct rollover? How do you withdrawal from an IRA CD? When does the 12-month period start for purposes of the one-per-12 month rollover rule? Was this article helpful? Yes / No