MetLife Life Reviews

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.

These bums had my approved claim in limbo from the very first day I filed it. With stupid things like we made a mistake. Jessica G can’t return phone calls to her case load. Now I have to start from scratch again because they are idiots and don’t want to pay out. Losers.

They will find a way to deny all claims. Especially the urgent and emergency ones. Terrible customer service. Avoid at all costs! Avoid at all costs! Avoid at all costs! ! Avoid at all costs! Avoid at all costs! Avoid at all costs!

I have a full life policy with MetLife for last 31 years. They promised me I get enough dividends to cover the premium in 13 years when I started. That did not happen. Now I reached a stage where I no longer needed this. I wanted to surrender this. I have been trying to do this for past three months and I keep getting letter after letter with hurdles. I did the same thing with Mass Mutual in five minutes and I wonder how anyone will be doing business with MetLife like this

This was the worst experience I have ever had. The product may be good when you are paying into it, but I was trying to collect after the death of the account holder. I was strung along for 3 mos telling me what my family would get and when. Turns out none of it was true and no one in the company would honor what the representatives I spoke with promised. Managers would not even return my calls. Once the funds were received, they lied and said I agreed for it to be setup a certain way. No one even gave me choices of how I wanted the funds. Dealing with the death of our loved one was extremely hard and working MetLife made it harder.

I am in the midst of a STD claim with MetLife. Horrible process with Zero communication! I have been diligent to get required documents to them in a very timely manner and have heard NOTHING! I am having surgery tomorrow so called yesterday. I was told they had all the information and my claims person would call me back in 24 hours. 28 hours later, no call so had to call once again to be told that they do not approve the claim until after surgery. They will call me the day after surgery for an interview. I asked, "You will call me when I am in the hospital?" She said yes, that is the process. I told her that makes ZERO sense to expect a patient to be coherent and able to deal with insurance claims one day post surgery!

These people make me want to quit my job and take my 401k. They lie about payment dates, causing me to be late on all bills. This company is HORRIBLE and I wouldn’t recommend getting hurt and needing them, like we can help getting older.

My mother has had life insurance policies on her and myself since 1987. They have been absolutely terrible!!! I would receive bills from them many times and I was not the policyholder, my mom was. I called and spoke to them to correct this action more than six times, this includes speaking to so-called supervisors. They were trying to receive payments from myself and my mom. After so many discrepancies with this company, my mom finally canceled both, mine and her policies with them just a couple of weeks ago. They took a couple of weeks to pay out and can you believe the check for my policy is only $1,370 after paying from 1987 to 2025!!! METLIFE IS A MAJOR RIP-OFF!!!

We are currently in the process of trying to claim my deceased MIL’s life insurance. We are going on 8months of dealing with this incompetent company. They have lost documents that were sent certified, put us off by adding additional forms for us to complete and over all are totally incompetent. I would not ever recommend this company for any type of business.

I have had genuinely the worst experience with MetLife. I have MetLife through my place of employment for STD and LTD. I filed for STD and gave them all of the paperwork they asked for, when extending my claim and not hearing from a single person in weeks, I called and was told it was my fault that they didn't fax my doctor extension paperwork. Further, 8 whole business days after receiving the updated paperwork, I call again to check on my claim and no one is available. Only customer service agents that can't give me a single detail besides "they're reviewing it". When asking if my case worker is available, they are not. When asking if the unit manager is available, they are not. When asking if ANYONE can help, there is NO ONE. I am so beyond upset with the way things have been handled, and if I didn't have to use them because of work, I would never.

TCA MetLife is a joke! They make it so hard to access the account, it's unbelievable. The process is absolutely absurd! The most difficult process I've ever been through. And I'm not even done yet. Still can't access funds. Who takes checks anymore? It's shady.!

I called to find out how to pay online! Spoke with Jason who told me he would transfer me to information technology (it), after getting to it, I spoke with Ryan asking how to pay my bill online. He wanted my policy number, I told him I didn't have it with me and why would he need it for information from him, on how to pay on line. He said all policies don't have the ability to pay online and he would need to check my policy. That's double standards.... Anyone with a policy with MetLife should be able to pay online regardless of the type of policy they may have with the same company....

My recent experience with MetLife has been frustrating. Initially, my claim was approved, and my doctor provided the necessary documentation to extend my disability. However, MetLife has now delayed the payment without clear justification. This prolonged wait is affecting my financial stability and overall well-being. I urge others facing similar issues to thoroughly document all communications with MetLife and consider seeking professional advice if needed. Their claims processing has been far from smooth, and I hope they improve this aspect in the future.

I filed a claim for my significant other two weeks pre-surgery, he needs a shoulder replacement. When I made the initial claim we were told that an adjuster would be calling in a few days, well two weeks later still have not heard back, surgery is in two days. We call back again today, the person who answered phone stated that we should have heard from the adjuster by now, so person transfers us to adjuster, we had to leave a message. Hours later said adjuster calls back to just inform us that she will not make a decision on my significant others claim till after surgery, mind you surgeon pulled him out of work two weeks prior to surgery, he can't lift anything with injured shoulder, he's in constant pain. I called this a bunch of BS!!! Why are we paying for Short Term Disability with this company if this is how they're going to respond? Then adjuster tells us that there is a good chance his claim will be denied. Tell your employers to get rid of this company.

I strongly advise against entrusting your loved ones with MetLife. The company's handling of claims has been inadequate, and the process of recovering funds is very time consuming with little to no customer support. Customer Service is located in the Philippines and is hard to understand - most times when calling - due to language barriers. Calling to follow up on a claim receive different answer and timeframe each time. I have called five times sometimes told 5 days, then 10 days, once told 30 days. Today I am told that there is no timeframe for the type of claim I have as an ex-wife. That they cannot give me any type of timeframe. Each person is different. Asking for someone to call me with update seems impossible, as they don't have time for that. I question; how does MetLife measure their service with they themselves don't have timeframes on claims?

If I could rate a zero. I would. The representative are utterly awful! They do not know what they are doing, they are rude, screaming at me. I had to wait longer than 25 minutes just for someone to hang up on me. They will not transfer over to a supervisor. I am not trying to be rude, but hiring immigrants who cannot speak or understand English to pay them at a lower rate is NOT okay Metlife. That is how you lose customers! Looking for a new insurance company now!

I thought that dealing with Brighthouse was bad till I started to deal with Met Life's withholding payment for months with one roadblock or another. My mom is 100 and request a full payout so as to make repairs on her house. Metlife has required her driver's license or passport. 100 years don't drive or travel. I submitted a POA which they acknowledge and now are just stalling saying that they received the request on a certain day then on the next call saying they haven't received or it is in process. I've been told on 3 separate call that the issue has been escalated. I did receive a call from a supervisor as requested who just said they would escalate it. Apparently, a catch phrase for "we are stalling". Oh but they will take your payment on time for sure.

Don’t be fooled by the cute Snoopy/Peanuts ads for MetLife. After more than 20 phone calls and a dozen emails I am still no closer to receiving my mother’s death benefits almost 5 months later. All her other policies have paid us months ago. It’s like they have a script; each time I call they tell me one thing I need to do, or is missing, or they can’t read and wait 7-10 business days. When I call back after the allotted time period, they tell me another hoop to jump through. Although they claim to have sent me notification of the problem, I never receive any emails or regular letters.

I had to call customer service to change my payment method. What a fiasco! The website doesn't work, won't load my accounts. I had to talk to three people to get this done and 30 minutes later, it is finally completed. It was so bad!