Brad Leddon

Brad Leddon is the the Senior Vice President at Coffey & Co. He is a Certified Employee Benefits Specialist (CEBS), Certified Self-Funding Specialist (CSFS) and holds Life & Health, Property & Casualty, and Advisor’s licenses.

It’s that time of the year again, when you get your end of summer bonus from your insurance carrier! About time they started returning some of those premiums you’ve been paying, right? I’m referring to the Medical Loss Ratio (MLR) rebate checks. These are the cryptic payments that employers receive, generally with very little explanation and virtually no breakdown or Read More

We’ve found that, in life, the best way to protect against the worst from happening is to be prepared for it! To that end, as Hurricane Florence bears down on the Carolina’s and will certainly extend it reach far beyond, we wanted to remind you that a little preparation can go a long way. To help, we’ve compiled a list of Read More

From time to time, we come across articles by our partners (clients, carriers, vendors) that we feel are worth passing on. We thought this one was especially relevant and timely with school back in session. Courtesy of The Hartford’s Risk Engineering Organization: Most kids are back in school by now and you should be alert to their presence!!! The National Read More

Health insurance represents a top three expenditure for the majority of businesses that offer the coverage. As such, it’s helpful to be able to put your business’s programs and costs in perspective. One of the best and most comprehensive reports on the state of employer-sponsored benefit programs is the Kaiser Family Foundations Employer Health Benefit Survey. Released annually, it represents Read More

Recently, the Trump Administration released final rules on an executive order signed in October 2017 that deals with association health plans. Ostensibly, this order attempts to lower the cost of health insurance for the self-employed and small businesses by allowing them to band together for the purchase of insurance. While this is a noble goal, it’s worth noting a few Read More

Despite being one of the most expensive purchases we make, most consumers spend comparatively little time understanding their health insurance plan. As such, health insurance remains a source of frustration and mystery to most. Over the more than 500 enrollment meetings hosted, I’ve noticed that the general confusion and misunderstanding over even the most basic of health insurance concepts is Read More