The answer to the question is if you are NOT covered by a 401/retirement plan you can put the earned income under 1h on the 1040 and that allows you to do an IRA. If you are retired and collecting a pension but are working where you are NOT able to contribute to a 401/pension plan then you are eligible to contribute to an IRA. If you put it under other earned income schedule 1 8 z it will reject an IRA.
