Prevention is the better than cure

I read this article about a new drug on recall from drugs.com, and it made me wonder about how this affects all of us.  How can certain drugs be approved for circulation and marketed to be a cure and only to find out that it can only do worse for us than good.  Although, at some point its great to know that FDA does check and will make an annoucement  like"Healthcare professionals and consumers are encouraged to report adverse events or side effects related to the use of these products to the FDA's MedWatch Safety Information and Adverse Event Reporting Program" .  But the question is how and why was it released.
Considering medicine is not cheap and even if let's say the money we used to pay for this medicines gets refunded it takes away the value of the money when it was purchased.  Plus not all have medical benefits.

It's great for those that have medical plans because it may be part of their coverage, but what about those that does not have any or those that have limited coverage.  What can you do when this happens? Jyot Financial will help you learn more about medical plans and how it can work for you.  Knowing your plan is always the best thing to do.  Let us help you. 


Gurdayal Singh
You Financial Advisor
909)-548-7444

Let us all reflect on what matters most

How many times have we heard someone say “we never know what will happen tomorrow”. When the tsunami happened in Japan, it made me think about how much we take for granted. Most of us work on things that need to be done when unforeseen situations happen such as calamities, accidents, and other situations that we are all afraid of happening. We read articles everyday about the after-effects of Japan and what is currently happening in Libya. Aren’t we all scared of what all this will bring us? I know I am and I believe you are too. I am afraid for my kids, family and for people that I care about. I am afraid of what the future holds for them. I am a Financial Advisor and I believe in staying on top of potential issues families may face in helping them understand how to better their financial situations. When there is just so much going on, I am here to help families and businesses stay afloat because I have faith and hope you do too.


Let us all strategize and think of what we should do for the coming years. So many things are happening that we should take the time to reflect on what are most important. Help is around us, all we need to know is who can best help us.

Gurdayal Singh
Your Financial Advisor
(909) 548-7444
14726 Ramona Avenue
Chino, CA 91710

Health Care Reforms - How it affects your business from Kaiser permanente

Health Care Reform - How it affects your business

The passage of the Patient protection and Affordable Care Act initiated the most significant changes to the U.S. health care system in 45 years.  While many key aspects of the legislation will phase in over the next few years, there will be significant changes for your business and your health plans in the coming months.  Kaiser is working hard to implement the legislation and is committed committed to providing information to help you make decisions about your coverage.  In the coming days, Jyot Financial  & Kaiser will be providing you some information about upcoming provisions  that affect commercial (non-Medicare) plans for small businesses.

DEPEDENT COVERAGE EXTENDED UNTIL AGE 26

If your plan offers coverage for dependent children, the new law extends that coverage for young adults until they turn 26, whether or not they're in school.  Although the law is effective starting with plan years beginning on or after September 23, 2010, we partially implemented it June 1, 2010, for small businesses to help prevent a covereage gap for graduating students.  Eligible dependents who aged prior to June 1 can re-enroll for coverage during your usual open enrollment period if they will be under age 26 on the first day of your plan year.



Jyot Financial & Insurance Services, Inc is an Authorized broker of Kaiser Permanente Health Plans.
Gurdayal Singh
Your Financial Advisor
14726 Ramona Ave.,
Chino, California 91710
Tel:  909) 548 7444
www.jfsinc.net
www.crisagency.com
www.healthplanhelpers.com
http://www.facebook.com/home.php#!/pages/Jyot-Financial/89974860824


Link to Kaiser Permanente: https://businessnet.kp.org/health/plans/ca/home