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Shepro Insurance Services

We can help you find the best affordable option for Long Term Care Insurance”

Terry Shepro

After working in law enforcement in California and Oregon from 1972 until 1990,  Terry relocated to Reno, Nevada and entered the insurance business in March of 1990.

TerrySheproTerry is married with two children.  His wife Carol is a civilian employee of the Reno Police Department.  Terry's son, Scott, is 28 and in the U.S. Army.  He has completed two tours in Iraq and one in Afghanistan.  He is currently a staff sergeant with the 82nd Airborne Division at Ft. Bragg, NC.  Terry's daughter, Katelin, is 21 and is going to school in Idaho.  She is studying to be a large animal veterinarian.

Terry believes having a family certainly makes one realize how important it is to have the right insurance coverages to help with life's unexpected expenses.

Terry's main focus is and has always been the group and individual health market, including major medical, disability income, medicare supplement and long term care policies.  The laws governing these areas of insurance and policies have changed drastically over the years. 

His belief is, "That's why you need an agent who keeps up to date on these changes in order to provide you, the customer, with the best available coverage to give you the best value for your money."

 

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We work with the top providers for Asset Based Care plans, Long Term Care Insurance, Life Insurance and Annuities with LTC Benefits.
 

Asset Based Care Plans vs Alternative

Asset Based Care Plans

Annuity

Certificate of Deposit

Money Market

Income Tax Free Death Benefit

yes

no

no

no

Tax Deferred Accumilation

yes

yes

no

no

Terminal Illness Accelerated Death Benefit

yes

no

no

no

Monthly Long Term Care Benefit

yes

no

no

no

Surrender Charge Schedule

yes

yes

no

no

  • Instantly increase your estate
  • Transfer money income tax free to your loved ones
  • Still have control and access to your money for emergencies, oppurtunities, or monthly care expenses through living benefits.

The Sandwich Generation

The Sandwich Generation, those caught between their aging parents and young children, includes some 20 million Americans.
 

Long-Term Care Issues in Nevada and the Reno area.

Home Care Costs in Nevada Rising Faster than Nationally, The median hourly rate to receive care in the home, Americans' preferred long term care setting, is $21.35 an hour in Nevada for home health aide services and $19 per hour nationally. The cost for this type of care has increased 3.6 percent a year over ...

Nevada ranks high in nursing home costs, survey finds Las Vegas Review - Daniel Mathis, head of the Nevada Health Care Association, was not surprised that the median annual rate for a private nursing home room is $82125 per year, compared with the national rate of $77745 per year. "We have a real shortage of nurses and ...

Cuts to Medicare and Medicaid end up hurting you and me In 2009, as the economy was in free fall, Nevada hospitals were stuck with $900 million in uncompensated care, according to the Nevada Hospital Association, a figure expected to have jumped to nearly $1 billion in 2010. Fully 69 percent of hospital ...

 

Nursing Homes in the Reno Area

Life Care Center Of Reno 445 Holcomb Ranch Ln Reno, NV
(775) 851-0123

Fountains Senior Care Inc 1920 Harvard Way
Reno, NV
(775) 825-2044

Golden Years Castle Group Home
2060 Arcane Ave
Reno, NV
(775) 747-7171

Home Away From Home Assisted Living
1235 Glenda Way
Reno, NV
(775) 827-6880

Sky Peaks Retirement 1520 Sky Valley Dr
Reno, NV
(775) 747-9555

Approximate cost for long term care for Nursing Homes, Assisted Living Facilities and at Home Care in the Reno Area.

This data, (provide by John Hancock Cost of Care Survey), is based on the 2008 average for the major cities listed around Reno Nv.. Please keep in mind that most people require more than one type of long term care and that actual costs, unfortunately, will continue to rise over time. Be sure to ask your Certified Long Term Care Advisor how an inflation protection rider can help keep up with the riseing costs of long term care. (The hourly rate for home health care is based on a 25 hour week.)


Average Costs---Annual Costs

Reno, NV

Home Health Care Hourly Avg.

Assisted Living Monthly Avg.

Nursing Home Daily Avg.

Home Health Care Hourly Avg.

Carson City, NV

Assisted Living Monthly Avg.

Nursing Home Daily Avg.

Las Vegas, NV

Home Health Care Hourly Avg.

Assisted Living Monthly Avg.

Nursing Home Daily Avg.

$21.00

$3,115.00

$191.00

$19.00

$2,467.00

$174.00

$21.00

$2,502.00

$184.00

$27,300.00

$37,380.00

$69,715.00

$24,700.00

$29,604.00

$63,510.00

$27,300.00

$30,024.00

$67,160.00

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Asset Based Care Plans vs Alternative