I am changing jobs mid-year. Tax-wise it will be to my advantage in 2013 to contribute to a Traditional IRA instead of a Roth. The AGI deduction limit is < 59K if covered by a retirement plan at work, or no limit if not covered by a retirement plan at work. My old job--retirement plan. My new job -- no retirement plan. Can anyone tell me--which applies to me--Covered by retirement plan or not covered?