@odyssey2000 wrote:
Thanks for the quick response. I did some additional research after my post, and agree that the $5,104.17 figure is incorrect. But since she was covered under a self-only policy on Dec 1, shouldn’t she be able to take the larger of your $3,246 figure or the single max contribution over 55 limit of $4,850, as long as we remain under the $8,750 family limit?
You are asking about the last month rule. It doesn't work the way you think it works in this situation, because of your contributions.
