My W-2 from my employer does NOT have a check mark in box 13 (employer retirement plan). I am a member of the IBEW and do have a retirement annuity account with the union hall directly that my employer sends money to as a part of my union negotiated package. My wife has no retirement plan and we file jointly.
I've been trying to find out if I qualify for deducting 100% of a traditional IRA contributions and what I've found is that if box 13 on the W-2 in NOT checked than I should be good to do that right? I don't get any kind of tax statement from my union hall concerning my annuity contributions or the standard IBEW pension plan. Is the W-2 box 13 all that matters when making the decision about whether traditional IRA contributions are deductible or not?
Maybe I should say that my AGI is 138k/year and my wifes is only around 5k/year. I'm also having trouble figuring out the maximum income limit for full deduction.
