- June 2008:The Center for Retirement Research at Boston College :“How Can We Improve Long-Term Care Financing?” by Howard Gleckman. “ The system for financing and delivering long-term care in the United States is deeply flawed. While families and government spend more than $200 billion annually for such services, many frail elderly and disabled fail to receive the care they need. This problem is expected to become more severe as the Baby Boom generation ages. More here. Full paper in PDF here
- February 2008 – EBRI Notes “The Future of Employment-Based Health Benefits: Have Employers Reached a Tipping Point?,” Large employers say they are not ready to bail out of their role of acting as the backbone of health insurance coverage in the United States, according to an article published today by EBRI. But the article also notes that large employers are pushing for changes they hope will alleviate the rising costs of health benefits, and the current picture could shift quickly if one large employer drops benefits. Press release
- February 2008:The Center for Retirement Research at Boston College: Health Care Costs Drive Up the National Retirement Risk Index : Alicia H. Munnell, Mauricio Soto, Anthony Webb, Francesca Golub-Sass, and Dan Muldoon. Full paper in PDF
- February 2008: Center for Retirement Research at Boston College: Do Out-of-Pocket Health Care Costs Delay Retirement? : Richard W. Johnson, Rudolph G. Penner, and Desmond Toohey : For executive summary in PDF: For full paper in PDF
- December 2007: Center for Retirement Research at Boston College:Health Insurance and the Labor Supply Decisions of Older Workers: Evidence From the U.S. Department of Veterans Affairs: By Melissa A. Boyle and Joanna N. Lahey
- October 2007: The Center for Retirement Research at Boston College :“Medicare Costs and Retirement Security”by Alicia H. Munnell. For full paper in PDF
- September 2007: The Center for Retirement Research at Boston College “The Role of Private Insurance in Financing Long-term Care” by Howard Gleckman. For the full paper in PDF
Denise is CEO of Appleby Retirement Consulting Inc., a firm that provides IRA resources for financial/ tax/legal professionals. She has over 20 years of experience in the retirement plans field, which includes training and technical consultation.
Denise writes and publishes educational /marketing tools for advisors; available at http://irapublications.com. Denise co-authored several books on IRAs
Denise is a graduate of The John Marshall Law School, where she obtained a Masters of Jurisprudence in Employee Benefits, and has earned 5 professional retirement designations.
She has appeared on numerous media programs, sharing her insights on retirement tax laws.