DaveF:
To be clear, I did make contributions to my SEP IRA for some prior years. I did not make one for tax year 2019.
You indicated I am not considered covered (for 2019) if I did not contribute to my SEP IRA. Are you referring a contribution at any time, or a contribution for tax year 2019? "Not considerd covered" for tax year 2019 if no contribution to SEP IRA for tax year 2019 (or if no contribution to SEP IRA at any time)?
