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Level 1

Question

W2 Retirement Plan Box 13

Forum|Forum|6 years ago
February 19, 2020
1 reply
5 views

My W2 has the "Retirement Plan" box 13 checked but I have not made any contributions to the plan. This situation prevents me contributing to my personal IRA. Should this box be left unchecked? If so, do I need a corrected W2?

Level 15

If your employer offers a retirement plan the box 13 will be checked, whether you contribute to the plan or not.

Level 15

Also, box 13 being marked does not prevent you from contributing to a traditional IRA, it just means that the contribution might not be deductible, depending on your modified AGI for the purpose. Not being deductible means that portions of future distributions will be nontaxable instead of being taxable.