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<<I receive social security disability benefits and also contribute to a traditional IRA.>>

Well...I hope that you have some "earned" income there somewhere. Your SSA disability benefits are NOT considered "earned" income for IRA contribution purposes. So I'm a bit concerned that you might be making excess contributions to your IRA. That being said, let's move on.

<< I have Pub.590 IRA's and cannot figure out if I need to complete worksheets in Appendix B of this publication. On Page 9 it says "Complete worksheets in Appendix B if ALL of the following apply: You received social security benefits. You received taxable compensation. Contributions were made to your traditional IRA. You or your spouse was covered by an employer reirement plan." Okay, so I received the social security benefits. But I myself did not have any taxable compensation, my husband did.>>

That's fine. Then you are going after a "spousal" IRA. So it certainly sounds like the answer to questions 1-3 are yes.

<< We are married and filing jointly so do all these conditions have to apply just to me or to either of us?>>

Well, you didn't say if your husband is covered by an employer retirement plan. If not, you can ignore the worksheets and take the $2k deductible IRA contribution. If your husband is covered by a pension or profit sharing plan, then you have to make some additional computations to see if your IRA is deductible or not.

<< Secondly, it says "contributions were made to your traditional IRA" Does this mean if I contribute to my trad. IRA I have to complete the worksheets, but if only my husband contributes to his IRA we don't have to?>>

ALL FOUR questions have to be answered in the affirmative before you have to deal with the worksheets. And you still haven't provided the answer to question #4. If he's covered, you need to do the worksheets.

<< I hope I have explained my question completely. All help is appreciated>>

If you want to get the ANSWER without dealing with the worksheets, check out my article in the Taxes FAQ area regarding deductible traditional IRA contributions, and the limits on deductible spousal contributions when one spouse is covered by a pension plan. It might be easier to figure out than the worksheet.

TMF Taxes
Roy
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