MetLife Life Reviews

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.

My experience with MetLife Life Insurance staff was extremely disappointing. There was a clear failure in customer care, and it was evident that my concerns were not taken seriously. The communication was poor, with unnecessary and irrelevant responses that did not address my questions and wasted a significant amount of time. My interactions with Angel and Mika were particularly frustrating, as they provided inconsistent information and showed little effort to resolve my issue. I had to repeat the same details multiple times, yet the problem remained unresolved. For a company of this size and reputation, I expected far better customer service. These staff issues should be addressed, as this experience has significantly reduced my confidence in MetLife. I would like to give "ZERO" stars.

I used MetLife through my work to help with a FLMA claim. They denied the medical documentation that I provided to them, failed to communicate with me on a consistent basis, and forced me to stay out of work. They told me that my claim was denied and unpaid because of the medical documentation. Yet somehow, my doctor said everything was sent over. I had to jump hurdles for MetLife to connect me with anyone that had any helpful information for me. Not to mention, the service members all had different information each time I called? I had to figure out who my case manager was on my own since that was not provided to me. I asked MetLife if I could return to work since they weren’t going to pay me. They said no so I got a second job because my bank account was slipping (obviously). They then tried to hold it against me that I had a second job yet never helped me with the claim or had any form of remorse that I was struggling.

Filed two dental claims in August. The company has confirmed several times that the claims are "in process" and I will hear from them in ten business days. Their representative opened yet another ticket (12.03.25) and said I will hear back in ten business days. I asked to speak to a supervisor and the rep. refused to transfer.

I went in for 2 fillings. A quick browse for an out of network provider says they'd cover 40% of Class B services. Total bill from dentist was $722. They sent me a check for $48. How does that even justify paying for supplemental dental insurance. Frauds.

MetLife Pet Insurance was a god awful nightmare. I submitted a claim only to have them say they needed more info. My vet submitted absolutely everything directly to MetLife, in return they would say they needed more. They wanted 12 months history on 6 month old kittens. And when I repeatedly stated they haven’t even been alive for 12 months to have that kind of history, they would “submit another ticket and wait”. This went on for an entire month. I called 3+ times each week only to continue getting the run around. I finally came to the conclusion that this company had no desire to pay up. I paid over 600$ in cat vet bills and MetLife wouldn’t even apply any of that to the 250$ deductible. I had the plan for several months and MetLife was sure to take my line without ever communicating with me or asking for anything regarding the pets on the plan. Only after submitting a claim they come out with excuse after excuse.

After being transferred to multiple departments, being told conflicting information about my policy being in existence and not being in existence, hung up upon because I asked to speak to a manager, just save yourself some time and get a policy with someone else so you never have to call their customer service. It feels deliberately painful to discourage contact. At no point do you get the impression that they want to help you.

My dad and I were required to submit the same forms three times for my aunt's estate, and then different forms were sent to us to fill out. We did those twice. Long after everything was settled with my aunt's estate, MetLife sent a Visa card in her name rather than the requested check for her estate. Then it was more forms to get the change to check.The check arrived two years after her death.

MetLife is the absolute worst company to try to get service. This is the second week I reached out to them to get dental insurance. I could not complete the application online; the site would not work. I contacted customer service & they kept transferring me back and forward & no one assisted me in expediting the process. If this is how they do business with the application process you can expect them to not do good their other services.

Absolute worst customer service. Transferred to a zillion people who could not help. Was given multiple different stories about my policy, was supposed to have been emailed pertinent forms that never arrived, but most egregiously, no one was able to assist and explain differences in policy action requests. I can't give 0 stars but would if I could. Had to keep calling back, different departments, different numbers. No one should ever have to go through this BS to get feedback and assistance on their own policy.

Working with Christopher F in A&D claims and it has Not gone well! For months I’ve been checking in on the status of my claim since I lost my sight in an accident and we have gotten NOWHERE! They are stressful. Every week for over 16 weeks they are still gathering information which is absurd. How long does it take ? I’ve provided so many records to them and I’ve signed everything on time. Waiting on them for months is not ok.