If you are diagnosed with hypersomnia, your doctor can prescribe various drugs to treat it, including stimulants, antidepressants, as well as several newer medications (for example, Provigil and Xyrem).
You may have your 2015 RMD made payable directly to the charity (provided it meets the IRS definition of a qualified charity), and then designate it as a qualified charitable distribution on your tax return. You'll have satisfied your distribution requirement, and you won't have to pay income taxes on that money.
This may not seem very significant, but over time, delaying your RMD until later in the year can have a meaningful impact on the size of your remaining nest egg. No QCD provision currently in place â As of now, qualified charitable distributions (QCDs) are not in effect for 2015.