Self-employed with Solo 401K Plan and a SEP accounts. If I chose not to contribute to either one, am I still "covered by an Employer's Retirement Plan" for IRA purposes?

[dmertz · Accepted solution]

No.  You are covered only if you made additions (either elective deferrals, Roth contributions or employer contributions) for the tax year.

[morinrh]

Thank you for your prompt answer.