Even if you got no paycheck in 2020, you would still be covered for 2020 if this employer's plan year was not a calendar-year plan but instead used a fiscal year ending with some month other than December.
Ugh. Good point. That's a question for the CFO or his tax guy, then.
As to the AGI question, neither my wife nor I have a pension plan this year. The IRS site indicates there is no AGI limit in that case.
