My MAGI is above the 2016 Traditional IRA contribution limitation; however, I can no longer contribute to my employer-sponsored plan. Currently, I do not receive benefits or distributions from my 401k or defined-benefit pension plan.
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Generally, you are covered by a defined contribution plan for a tax year if amounts are contributed or allocated to your account for the plan year that ends with or within that tax year.
If you are retired and no new contribution was made either by you or your employer in 2016 then you would not be covered. However, if you received a 2016 W-2 with box 13 checked, then the employer is saying that you were covered in 2016.
Generally, you are covered by a defined contribution plan for a tax year if amounts are contributed or allocated to your account for the plan year that ends with or within that tax year.
If you are retired and no new contribution was made either by you or your employer in 2016 then you would not be covered. However, if you received a 2016 W-2 with box 13 checked, then the employer is saying that you were covered in 2016.
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