About Kaitlin Dirkx

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So far Kaitlin Dirkx has created 7 blog entries.

What Are Guaranteed Issue Rights in Medicare?

While many people are currently assessing their health insurance options for fall’s Open Enrollment, running from October 15 through December 7, some may have questions about their options regarding Medicare, Medigap policies, and Guaranteed Issue Rights. If you are enrolled in or interested in enrolling in a Medigap policy, these policies are not subject to Medicare’s Open Enrollment period. A Medigap policy, or Medicare Supplement Insurance policy, helps to fill the “gaps” by serving as a supplement to Original Medicare, covering a portion of remaining health costs, such as copayments, coinsurance, and deductibles. These types of policies are sold by [...]

2021-11-26T15:05:51+00:00November 26, 2021|

Self-Directed Medicaid Home Care Options

For a multitude of reasons, even once approved for Medicaid, many families have been hesitant to move their loved ones to an Assisted Living or Nursing Home environment, opting instead for home care. However, home care through an agency comes with issues of its own, primarily rooted in staffing shortages. It is no secret that the United States’ aging population is growing, an impending crisis exacerbated and exposed by the COVID-19 pandemic. The Philadelphia Inquirer recently called out Pennsylvania’s lack of comprehensive eldercare solutions, rating their “level of preparedness at a ‘C’ or ‘D,’” not nearly good enough to match [...]

2021-11-09T16:22:42+00:00September 10, 2021|

Qualified Income Trust for Medicaid

Applying for Medicaid for yourself or a loved one can be a difficult process. Many people believe they have successfully navigated all clinical and financial criteria, only to discover that the applicant requires a Qualified Income Trust, or QIT. Prior to December 1, 2014, all Medicaid applicants in the State of New Jersey with a monthly income in excess of the annual income limit, $2,382.00/month in 2021, were ineligible for the benefit. The creation of QITs has allowed for a wider range of applicants but has further complicated the Medicaid application process. Improper use of a QIT can result in [...]

2021-11-09T16:29:07+00:00July 22, 2021|

Medicaid and Veterans’ Benefits: Important Documents to Save

Throughout my years of document gathering for Medicaid and Veterans' benefits applications, most of my clients exclaim at some point, “why didn’t anyone ever tell me I needed to keep this stuff?” With the never-ending pile of junk mail gathering, it can be tough to separate the “keep” and “trash” piles when considering what you may someday need down the road for Medicaid and Veterans' benefits. Below, I have listed the most common items that people wish they had held onto: Social Security card Medicare card Passport (current or expired) Photo ID (current or expired)  Birth certificate Marriage certificate Spouse’s [...]

2021-11-09T16:34:28+00:00June 9, 2021|

Where is My Third Stimulus Check?: Possible Problems

As your friends and family receive their third stimulus checks, you may have grown increasingly worried about the status of your own economic impact payment. Due to some changes in check distribution this time around, your third economic impact payment may still be coming. Additionally, the IRS is no longer providing assistance via phone, as they did for the first stimulus payments, instead encouraging those eligible to check the status of their payment through the IRS's payment tracker tool, which you can access by clicking here. If your payment has been delayed, the most common reasons are outlined below. Where [...]

2021-11-09T16:51:36+00:00April 8, 2021|

Elder Law Planning: More Than Just Medicaid

When it comes to elder law planning, and when I meet with clients, the focus tends to be heavily centered on finances. When retirement accounts are dwindling due to a spouse’s high nursing home bill or a parent’s complex financial management style has left an adult child overwhelmed and confused, it is easy to become focused on Medicaid as the magic solution. However, Medicaid is just one piece of a much larger puzzle. A few years ago, I worked with the sister caregiver of a client who required long-term care. Due to the brother’s medical diagnoses and young age, his [...]

2021-11-09T18:50:09+00:00February 15, 2021|

Your Public Benefits Have a Lookback – Even Around the Holidays!

The holiday season is upon us yet again. It is easy to get caught up in the festivities and forget that if you or a loved one are enrolled in a public benefits program or are planning to apply in the future, it is important to remember that even holiday gifting can impact eligibility. Are you or your spouse receiving Medicaid benefits? Or will you need long-term care in the next five years? If so, a review of five years’ worth of all financial documents is conducted during the application process. They impose a penalty by delaying eligibility for benefits [...]

2021-11-09T18:56:32+00:00December 10, 2020|
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