dmertz
Level 15

Deductions & credits

The page you referenced is for the individual who is not covered by a workplace retirement plan.

 

The following reference is the page that is for the individual who is covered by a workplace retirement plan.  You'll notice that it makes no reference to the individual's spouse:

https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-l...