Can I contribute deductible money to a traditional IRA if I left my job before maxing out my 401(k) for the year?

Question

I've read these answers:

• Can I deduct a contribution to an IRA if I also contribute to a 401(k) in the same tax year?

• 401K participant for part of year - Can I contribute to an IRA?

• Can I contribute money to a 401k, 457b, and an IRA all at the same time?

but some of them are pretty old, some of the links are dead, and I'm not sure if any applies exactly to my situation.

My former employer offers a 401(k) plan, to which I had contributed about 60% of the annual limit when I left that job around 60% of the way through the year.

For the remaining 40% of the year I am/will not be covered by any retirement plan. Can I contribute any deductible money to my traditional IRA?

The IRS website has a page for folks covered by a retirement plan at work and a page for those who are not, but no page for a person in both categories.

Answer 1

I believe this article answers the question:

Are You Covered by an Employer's Retirement Plan?

You’re covered by an employer retirement plan for a tax year if your employer (or your spouse’s employer) has a:

• Defined contribution plan (profit-sharing, 401(k), stock bonus and money purchase pension plan) and any contributions or forfeitures were allocated to your account for the plan year ending with or within the tax year;

So being covered by a plan at any part of the year is sufficient.