in this issue:
talk to the president:
Jim Bendel
talk to sales:
Employee Benefits
John Deem
VP of Business Development
Business Insurance
Scott Marker
VP of Business Development
Property, Auto, Homeowners
Jackie Kociszewski
Personal Lines Manager
Medical, Dental, Disability, Life
Gregg Avedon
Consumer Products Manager
talk to client services:
Employee Benefits
Jenn Swistak
Vice President of Client Services
Business Insurance
Mary Jane Donaldson
Director of Client Services

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Health & Wellness Watch


At Potomac Basin Group, we understand the importance of Wellness Programs and educating
our employees on ways to live the healthiest lives they can. In this section you will find articles and updates on what's trending in the world of health & wellness.



 Diet & Nutrition 
**USA Today


Non-prescription Allergy Relief: What You Need To Know

Drink Up? Sorting Out Water Truths vs. Myths

FDA To Phase Out Trans Fats From Food

**The Washington Post
**USA Today


Fitness 'Sorority' Looks To Liberate Women From The Elliptical

Why Gym Owners Are Retrofitting
Old Movie Theaters


Don't Just Talk the Talk: Walk, With A Group


Family Wellness

 **USA Today


Vaccines: Facts vs. Myths

Advice To Take the Bite Out of Bug Season

Message To Retirees: Sit Less,
Live Better and Longer


Mental Wellness & Happiness
**USA Today



Solutions To Woes of Mentally Ill Exist But Aren't Used

Cost of Not Caring: Nowhere To Go
The financial and human toll for neglecting the mentally ill











Potomac Basin Group's
Upcoming Webinars


Employee Benefits

2016 HSA Contribution Limits and Minimum Deductibles

The IRS has released the 2016 inflation adjusted amounts for health savings accounts (HSAs). To be eligible to make HSA contributions, an individual must be covered under a high deductible health plan (HDHP) and meet certain other eligibility requirements.

High Deductible Health Plan Coverage

An HDHP has a higher annual deductible than typical health plans and a maximum limit on the sum of the annual deductible and other out-of-pocket expenses. For 2016, the minimum annual deductible is $1,300 for self-only coverage or $2,600 for family coverage.


OSHA Updates 'It's The Law' Poster for Employers to Display in the Workplace
The U.S. Occupational Safety and Health Administration (OSHA) has released a new version of its "Job Safety and Health - It's The Law!" poster. Employers must display the poster in a conspicuous place where workers can see it; however, previous versions of the poster do not need to be replaced. (Employers in states operating OSHA-approved state plans should obtain and post the state's equivalent poster.)

The newly designed poster informs employers of their legal obligation to provide a safe workplace. It also informs workers of their right to request an OSHA inspection of their workplaces, receive information and training on job hazards, report a work-related injury or illness, and raise safety and health concerns with their employers or OSHA without being retaliated against.

New IRS Q&As on ACA Information Reporting by Large Employers


A new set of Q&As from the IRS provides additional information for large employers that are required to file Forms 1094-C and 1095-C, as part of the information reporting requirements under the Affordable Care Act (ACA). Information reporting is first required in early 2016 with respect to calendar year 2015.
The ACA requires large employers (generally those with 50 or more full-time employees, including full-time equivalent employees) to report information to the IRS and to their employees about their compliance with the employer shared responsibility provisions ("pay or play") and the health care coverage they have offered.

Updated FMLA Model Forms Now Available for Use by Employers

The U.S. Department of Labor recently released updated model forms for employers to use in connection with leave taken by their employees under the federal Family and Medical Leave Act (FMLA). The updated forms reflect a new expiration date of May 31, 2018. (Previously released versions contained month-to-month expiration dates.) 

Under the FMLA, eligible employees are entitled to take unpaid, job-protected leave for specified family and medical reasons. The law also includes certain family military leave entitlements. Private employers who employ 50 or more employees for at least 20 workweeks in the current or preceding calendar year must comply with the FMLA.


Business Insurance

Cyber Risk Increasing Daily 

One System Hack Can Shut Down a Business -
One Policy Can Protect It

In today‚Äôs data-driven world organizations of all sizes have had a cyber attack or data breach and the average cost to rectify a breach has risen to $5.4 million.  Just one stolen laptop, one resourceful hacker, one virus or even one lost paper record can create enormous financial and reputational consequences for your business. Available for organizations of all sizes, from small businesses to Fortune 500 companies, including nonprofit organizations.  Offered as a standalone policy or as part of a comprehensive suite of other management liability coverages, CyberRisk provides a combination of coverage options to help protect your business.   

Personal Insurance

Renters Insurance
If you currently are renting a home you should have renters insurance.  Renters Insurance is a form of property insurance that provides coverage for a policy holder's belongings and liability within a rental property. Renter's insurance applies to persons renting a single family home, apartment, condo or townhome.  The policy protects against losses to the tenant's personal property within the rented property. 

Trying to sell your home?

One of the fallouts of the poor real estate market of the past couple of years is the number of homes that have been on the market for a long time. Many of them have been vacated by owners who have moved on to another home, leaving their vacated home either vacant (little or no furniture or personal property) or unoccupied (no people) for a significantly long time. 



Potomac Basin Group Associates, LLC
4740 Corridor Place Beltsville, Suite B
Maryland 20705