There is no bug. The new law that allows Traditional IRA contribution for any age applies to 2020 and later contributions. For 2019 any Traditional IRA contribution for 2019 is prohibited if 70 1/2 or older in 2019.
You can make a 2020 contribution (if your income qualifies) and report that next year on your 2020 tax return, but not 2019.
Per the IRS Pub 590A
Maximum age for making traditional IRA contributions repealed. For tax years beginning after December 31, 2019, the rule that you are not able to make contributions to your traditional IRA for the year in which you reach age 70 1/2 and all later years has been repealed.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
