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Are distributions from a Roth IRA included in total household resources?

Are distributions from a Roth IRA included in total household resources?

Yes, the following must be included in your total household resources:

  • A conversion from a regular IRA to a Roth IRA in the year the income is included in the taxpayer’s Adjusted Gross Income (AGI).
  • The amount of a qualified distribution in excess of a taxpayer’s contributions (conversion or regular contributions).
  • A nonqualified or taxable distribution from a Roth IRA to the extent it is included in a taxpayer's AGI.

Investment losses from the liquidation of a Roth IRA are not allowed in total household resources.