You are covered by a retirement plan at work if you were eligible to participate. If you were eligible to participate for the plan year ending with or within the tax year, you are considered covered by a plan at work.
Box 13 on the Form W-2 you receive from your employer should contain a check in the “Retirement plan” box if you are covered. If you are still not certain, check with your (or your spouse’s) employer.
The limits on the amount you can deduct don’t affect the amount you can contribute. However, you can never deduct more than you actually contribute. @jimri
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