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.