@Tinchito If box 13 on yiur W-2 is checked then you are covered by a retirement plan.
Covered by a retirement plan means that the employer has determine that you are eligible to contribute to a retirement plan whether you actually contribute or not is not material.
Being so covered has nothing to do with IRA contribution limits, it might reduce or eliminate the ability to *deduct* Traditional IRA contributions but the contribution limits are not affected.
**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.**
