I've read these answers:

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.


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.

  • Ok, that updated content certainly answers my question.
    – dg99
    Oct 10 '18 at 20:28

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