Traditional IRA

[kburd]

I'm currently retired and drawing social security and a pension.  I also have earned income (1099NEC) from a consutling business.  Does receiving retirement benefits constitute being covered by another retirement plan thereby limiting my ability to contribute to a traditional IRA?

[SusanY1]

No, receiving retirement benefits does not constitute being covered by another retirement plan for purposes of determining if you are eligible for a Traditional IRA contribution.  

Covered by a retirement plan in this case means having the option to contribute to one through your employer.