So for clarification, if I am no longer an employee, then I don't have a retirement plan AT WORK. But because the company checked Box 13, it appears that this makes me ineligible to make a deductible contribution to a Traditional IRA, correct? In future years when I have no ordinary income from the exercising of stock options, I assume they will not send a W2 with just Box 13 checked and no income. I will still have consulting income. Without a W2, would this change my eligibility for a deductible contribution, as long as consulting income is below the threshold levels? Keep in mind that I will begin receiving pension payouts in a few years, but these will not be on a W2. Any light you could shed on this would be much appreciated.
