MetLife Life Reviews

My dad died 9/2025. His account was Transfer on Death. I started the process to have shares transferred in early November. Here it is mid August of 2026. They request documents and information one at a time. I have sent in death certificates (plural, because they lose them), letters of testamentary, forms, etc. After each submission, I get a letter stating they cannot process my claim because they need something else. Why not provide a list of everything they need at once? I have asked my financial advisor to assist me, and they can't get anywhere either. Once the shares are transferred, I will move them. What a horrible company.

Denied a disabled veteran with severe ptsd to have implants claiming it's been done and can't for 60 months. Yet x rays show the broken teeth. Now it's even harder to leave house due to their denial. Obviously I see on here they are not a stand up company.

This insurance is completely SUCKS. Nobody try to help you.

Biggest scam. No one tries to help you, no one can answer your questions. They hide behind policies that are not even designed to help the customer in any way. And they are making a lot of money doing it obviously. Save yourself a huge headache and running in circles, and find another insurance provider.

Terrible company. Pick another company. My mom died about 13 months ago. I called because my dad told me she had a policy and I was getting letters in the mail from MetLife that I needed to fill out a form. Called MetLife and they told me she had no benefits. About 9 months I later started receiving letters from MetLife again that $1000 was owed to myself and my sister. Finally got the form and filled it out. On the form it said you could submit the form two ways - one way was mail and the other was on their website. I submitted through the website. No response.

Customer service representatives are very nice. However it all comes comes down to how fast they process claims. Their online system, email and fax do not work. Send your claims certified mail.

This company and their customer service are terrible! I have been waiting for a life insurance payout for my father for over 8 weeks now. I've called customer service 7 times and no one knows what is going on and they don't seem to have a record of my calls even though they are all recorded. I've sent paperwork in 4 times and they claim they've never received it. How is that even possible?? How are people supposed to pay end of life bills when they can't get paid? I work for an insurance company who pays out claims in 5 days not 3 months+. And gives the run around every time you call. I'm starting to think I will never get the funds needed to pay the bills.

Today I call Metlife and get help from Felix. He is so nice, friendly and help me fill out all paper work for short term leave. The call end at 12h53 and my shift start at 1h00 so I actually not able to stay on the line and vote 5 stars for him. Hope this will work. Good job, Felix!.

This is a terrible company. I signed up for short and long term disability with my employer. I had a stroke in April and just received a denial due to “pre-existing condition.” When I asked how a stroke is pre-existing, of course they had no answer. They also took 6 weeks to come to this ridiculous conclusion. This company is dishonest, has no problem taking your mine with no intention of paying out when you need it. Please save your money and don't trust Metlife.

MetLife is a scam. Would not recommend this company.

I have an Accident Health benefit. Each time I have had to file a claim MetLife half a claim. They hope you don’t call to see why? I sent info labeled to make it easy for the employees there and they still don’t get it right. This has to be intentional. I have filed three of the same type of claim. I know how to submit. Four or five months later it takes them to properly process a claim. By the time you call weekly spend one hour they owe you a paycheck for facilitating the claim to completion under unnecessary stress to the insurer. It’s ridiculous.

Horrible! Absolutely horrible! Although they say they are sorry for the loss of your family member, they will put you through hell to get your payment! It has been 3 months and I'm still trying to get pay out. Every department passes the buck and says their dept doesn't handle this claim, and they will transfer you to the department that does and so on and so on and so on, until you are so frustrated and your language gets colorful. Then they will say they need one more document to process your claim and when you send that they will send you an email that makes you start all over again and you're right back in the loop of WTAF... No one speaks good English at this company. The last time I called the put me on hold and after 10 min I finally hung up.

My brother was employed by AT&T, which, for some reason is affiliated Fidelity financial and Met Life and he died over a month ago. I called right away to turn it in. They said it’d be a couple weeks. I need to turn in a death certificate to Fidelity and in Fidelity would send it to them and I’ve done that twice and every time I call them, they say they’ve not got the information that they need which I have called several times I’m saying 10 or more and it’s been over a month now. I had to finally pay the funeral expenses out of my own account. He has a $60,000 life insurance policy. They will give me no information. They will not release it. I am the beneficiary of it. I am a sister. Every time I call they say they need something else from Fidelity and then I call Fidelity and they keep saying that they’ve sent it to him and I just keep going around the circle and around the circle.

I submitted a claim then was told I was missing documents. They had me email them the missing documents then opened up a second claim. One claim was denied of course because 1. It wasn't the claim that I filed for and 2. The diagnosis they put down was for something else before I had the policy. The actual claim stayed in "processing" for 2 weeks. I left calling to inquire and was repeatedly told that it "just finished" and that "I would see payment tomorrow". This is the ridiculous. I have Nationwide pet insurance for another pet and never had any issues and was always reimbursed in 1-3 days. I'm cancelling this policy and switching all my pets to Nationwide.

Worst company in the planet for pet insurance. They will not pay your claim and will do everything to get you into a vicious loop. They charge you monthly $150 dollars without paying a penny. I have 2 legit claims with them, but they make sure they will keep emailing you how your claim is on hold until they frustrate you to give up and then close the case. Don't buy insurance from them. Complete fraud company.

I left a review with the BBB on 3/20/26. My issue still hasn't been resolved. Before going on medical leave, I intentionally setup for payments to be electronically paid. Once the waiting period was over, I received texts saying that checks were mailed. Due to me not being able to walk nor drive, this was an issue. I contacted Metlife. Informed them of the issue. By this time, they had mailed 2 checks. They told me to not cash them and wait. Due to bills and having children, I had no choice but to have them deposited. I reached out to metlife several times to inform them of this issue. They said they would fix it. Then a 3rd check comes. I have it deposited. Metlife then contacts me saying they are working on getting everything electronically transferred. I notified them that the 3rd check had been deposited. They wanted me to call the bank because they did a stop payment on the check.

Met Life insurance is not good to have, because you don’t get what you pay for on claims. Best thing to do is not enroll to Met life insurance and just keep your money. When it comes time to assist you for what you paid for you’re not going to get anything. Horrible insurance and staff that only lies to you and give you a huge run around on every phone call. Then had the nerve to tell me I could not cancel until open enrollment like I don’t know better. Stay away. Or go in at your own risk.

I have never experienced such poor communication and lack of accountability from a company as I have with MetLife. My claim specialist completely failed to do the most basic part of their job—return calls. I made multiple attempts to get in contact, was promised callbacks several times, and not a single one was followed through on. The only time I was able to get any progress on my claim was after spending over an hour on the phone, refusing to hang up until someone actually helped me. That should never be what it takes to receive assistance on something as important as a disability claim.

This has got to be the worst carrier customer service ever. I work for a provider's office. If you want to speak to a live agent... FORGET ABOUT IT... unless you want to spend literally 20 min worth of prompts that lead you to nowhere or you get hung up on after all of your efforts to get through! This is awful! I have a good mind to start advocating AGAINST MetLife with our patients and across all of my very active social media platforms! Metlife DO BETTER!!!!

Horrible, HORRIBLE service!!! Super slow claim process, have to upload documents 5-10 times, they send correspondence in a deceased individual’s name numerous times, no one knows anything at this company and the should be ashamed of themselves for the constant lack of communication!!! DO BETTER!!!

An absolute AWFUL company! Purchased 2 policies (Critical Care & Hospital Indemnity) only one policy can be found in their system. They keep telling me to go back to my HR dept. to confirm enrollment of the missing policy. In the meantime, my husband has had 3 strokes and 11 seizures while they lollygag around. I NEED TO FILE A CLAM & CANNOT! I have called their corporate complaint# in NY 4 times and spoken to the same two ladies (Becky & Ann Marie) all the while assuring me that that my concerns have been expedited to management. The $ for both policies are being taken out of my check each payroll - THEY ARE STEALING FROM ME IN THE MOST HORRIBLE OF CIRCUMSTANCES!

Metlife sent me to collection for their own accounting mistake. Metlife pet processed and paid a claim a few months ago. Then suddenly I received a letter in the mail from a debt collector saying that I owe Metlife 100. I make 300k a year, perfect credit scores. MetLife never contacted me over any issue with the claim. We always pay our insurance renewal on time. I was appalled. It turned out they misread documents and asked me to resubmit the same document again. That could have been a simple email, but instead they chose to send their long term customer to collection for a mere 100 bucks. I had to spend time on a few phone calls to get this straightened out. At first they put the blame on me, but immediately backed off after I straightened them out. This is a digital age, everything is easily tracked.

Metlife representatives are terrible to work with. First of all they are working from home because of the constant dog barking in the background. I called 3 days ago for a death benefit pay out on 2 polices that we, the funeral home, are both the owner and the beneficiary on and I still cannot get this information. This is unacceptable and a huge disservice to the family that we are providing funeral services for. I would NEVER recommend this insurance company to my anyone, ever!! I would not even rate this company with 1 star, but I had to so I could submit my review.

Well I have been waiting on my FMLA for a month and every time I call who ever I get on the phone do not know what the last representative told me. Also they all act like they just started working. They are the most incompetent people I have ever deal with. Oh all my stuff is pending.

A total flop house. Taking them weeks to process a simple death claim even though they acknowledged the concerned documents. I would not give them .50 cents to hold. Complete garbage company. Customer service there is worthless.

If you have an insurance policy with MetLife, please get a new insurance policy with someone else. They do not manage their own insurance policies. They outsource their policies and it is hard to get a payout in event you lose your life or a family member. My husband died in January, and I have still not received the policy to bury my husband. This company is a disgrace and does not support its customers to retrieve their policies that I have paid for over 60 years as a Federal Employee. Every time I call for assistance no one can help me, and no one answers the number of you. The number just states that due to high call volume they cannot help you. So, I have no one to help me to retrieve the money from the policy I have paid into to bury my husband. My family, the funeral home, and I have been making several contacts via phone, email, and fax with no response. Do not know what else to do but may contact an attorney.

Can't open login, Can't speak with anybody, the 1 person I did speak to had a thick ** accent and was supposed to be a specialist but could only gave me number to circle around back to main menu.

Worst company ever. Nice scam. After having this life insurance policy for probably 30 years, the new scam is they sent me back my last 2 payments, 1 for supposedly sending it to the wrong address yet it cashed and cleared but put me in a lapsed state so they then sent the next one back because it wasn’t enough to find the policy since they sent the first one back. Luckily it was a small policy and I KNOW when the time came they would find an I not dotted or a t not crossed and I’m sure find a way to not pay. Real POS company. Big mistake going with them. Be warned.

They are piss poor! The lack of urgency, delayed follow up, and overall inefficiency in this process are unacceptable, especially considering he is already facing significant health challenges. The claim specialist stated she would call back on February 20th after receiving the most recent document request. No call was received. Additionally, the document request itself was unreasonable. My father entered the Emergency Room on February 2nd at approximately 10:30 p.m., and naturally the documentation generated as treatment progressed reflected the next calendar day, February 3rd. This should not have caused confusion or delay. It should not take five days to review a single document.

ABSOLUTELY HORRIBLE CUSTOMER SERVICE!! I pay a shit ton of money to have this coverage and keep my dependents on my plan and they won’t even cover when you claim. Another insurance company that is a scam and uses predatory behavior with consumers. Very disappointed. Will be canceling my policy!!

I have received a very small retirement cheque from MetLife who manage the Arthur Andersen pension fund. This has been received for 16 years with the same amount each month. However since November 2025 they have suddenly started to deduct federal taxes when I already pay the tax to HM Treasury so now I am taxed twice! I have emailed faxed and telephoned MetLife in USA on three or four occasions and it is still not resolved. The costs of the telephone calls are more than the pension. I just seem to be unable to get anyone to help and sort it out.

I am writing to express my significant dissatisfaction with MetLife’s supplemental hospital and accident insurance. My experience has been characterized by extensive processing delays and subsequent claim denials based on obscure policy exclusions. Furthermore, the digital infrastructure is unreliable; despite opting for electronic communication, the portal consistently fails to provide access to essential correspondence.

Had my policy forever. Told me I had to pay 158 to reinstate my policy. Did and the rates went up in 2025. I get a letter now saying I owe another 158 because the rates went up. This ridiculous. I'm not sure what's going on. I had this policy for 30+ years.

Metlife is the WORST! Had to go on disability and not only was told that my claim was approved after reaching customer service but I never received benefits for 2 months. After complaining and emailing and calling everyday, my contact sent an email denying my claim and that I first needed to file with education and/or government agencies. This was going on month 3! I appealed and then was denied after another 3 weeks! They will NOT provide you with support and do not care about your claim.

You are terrible, I won't use other words! You can't talk to a real person. I have gone through my HR department. rying to keep everything honest. This site is horrible. I hate it! This company will try to get you fired for fraud when you are trying to be honest about your leave.

I applied for a small loan against my policy, was told it was held up due to change of policy ownership, which was wrong, never happened. When you apply online, they don't acknowledge receipt so you have to call them. Then each time I have be switched to another department. The representative wasn't helpful so I asked for a manager, then the call was disconnected on their end. Called back today, got an even worse rep who basically was as unhelpful and maybe even more so than the guy yesterday. I asked for a supervisor, the rep put me on hold, then told me the manager was on another call and would call me back. Guess what, no call back. One of the worst companies I've ever dealt with.

The worst customer service experience of my life. Customer service reps who know absolutely nothing, non-responsive to requests for information on our policy, getting bounced around back and forth, crappy tech support and not able to create online account. Don't throw your money away--do business with anyone except MetLife.

HORRIFIC!!! MetLife dental for Federal Employees will not even cover a little of the sedation needed for an extraction and implant procedure!!! This is actually cruel. They also will not cover the cost of the Xray/CT scan done by the surgeon for this purpose. The government should choose another provider!

Terrible!!! They won't pay us!!! My husband had about $36,000 done on his mouth for implants and MetLife said they would pay a little over $20,000 back with the codes we gave them. We sent in everything that was asked. This process has taken about 2 years now and now we have to go through an appeal process. Seems like most people do. Worst dental insurance!!! Liars!!!

I called MetLife when my claim was closing and my doctor told me I needed to be out longer. A MetLife customer service rep told me to file for an extension on Dec. 3, 2025. I went through the process, submitted everything I needed to. After waiting a few days, I called and was told first to wait 5 business days; then on the 5th day, I was told to wait 7; on the 7th day was told to wait 10. On the 11th business day, I was told somebody tossed my claim to the side and closed it. I was again told to wait 5 more business days. On the 6th day, I called 4 times due to being disconnected. Finally left a message with my "case manager". It is now Dec. 27th and I haven't gotten paid in a month. Customer Service is absolutely terrible. No follow-through; nobody's on the same page; and left without answers. I still get billed while I'm on leave to pay for my disability that I do not get to use. What a scam this place is.