Am I considered covered by a retirement plan at work if I retired during the year and the plan no longer applies at year end?
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Yes.
The IRS considers you covered by an employer's plan if you were covered at any time during the tax year.
According to the IRS:
"You’re covered by an employer retirement plan for a tax year if your employer (or your spouse’s employer) has a:
CLICK HERE for IRS retirement plan coverage information
Am I still considered covered by a retirement plan through my employer if my employer contributes to a SEP but I have not made a contributions to the SEP from my payroll?
Yes. Also the retirement plan box should be checked on your W2 in box 13.
What if box 13 is checked and I did not contribute nor my employer. Can I still deduct an IRA contribution?
According to the IRS you may not be able to deduct all of your traditional IRA contributions if you or your spouse participates in another retirement plan at work (please see IRS Retirement Topics - IRA Contribution Limits for details). Therefore, if you did not participate all year then you will be able to deduct all of your traditional IRA contribution.
If neither you nor your employer contributed to the 401k then you might want to ask why the retirement plan in box 13 is checked.
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