MetLife Long Term Care

Three years after my mom's death, MetLife has not reimbursed for assisted living. We met the 90 day requirement and she died two weeks later. I'm owed about two weeks' grocery money. No big deal, but, after Dad paying into this policy since 1989, I chose to pursue. MetLife is holding back because I can't provide a monthly statement on services rendered. Mom was in a care facility where I had a contract that described what services were provided, and, that payment would be auto-deductions. The contract, with details of services etc., was provided. They still want to see a monthly statement. It's comical, and I appreciate this forum to vent.

I have had my policy for more than 20 years; more than $25,000 in premiums paid. I am now in total shock (I guess I shouldn't be) as they are making it nearly impossible to start benefits. And since it is term, not whole-life, policy, I will lose everything if I discontinue or let lapse. The care facility has nothing more to assist to begin coverage. Between perceived reputations for AARP and MetLife, I thought quality and sensible access to benefits for seniors could be counted on.

What a huge disappointment from a company as “reputable” as MetLife. It has been over 6 months since I began the process of applying for LTC for my husband and it has been nothing but delays, lack of communication and circular logic since then. Sadly they seem to follow the stereotype of trying to delay as long as possible to pay on policies for which they have received premiums for years. They won’t pay a policy until you have a covered service but unless you can pay out of pocket for a covered service why would you engage one?

We have had this insurance for years. Bought back when the rate increases were sane but now that they have you locked in they apparently feel they can do as they wish because they have you. Rate increases: 2015 12.2%, 2016 12.8%, 2017 12.4%, 2018 24.4%, 2019 24.8%, 2020 14.5%, 2021 10.2%. Meanwhile the average benefit increase is about 5%. I have communicated with them but get the 'you really don't understand' answer. The only reason I gave them a 1 rating is that it is you don't offer a 0.

Premium rises astronomically EVERY YEAR. Premium can only be paid by check. Oh, they WILL deduct from your checking account and charge you 8%. RIPOFF. Don't answer emails. UNPROFESSIONAL. I dread the day I might need this service.

Premiums paid for 15 years. No claims. Wife & I turned 65 and besides the 5% Optional Inflation Increase, in `18, was increased >23% over 3 yrs. That time frame passed and now an additional 21% increase over the next 2 yrs. `They reserve the right to increase...` Also, `MetLife has ceased marketing its LTC products'. So, those of us that remain clients will continue to get hammered by huge increases to keep this product going for the company, until we can no longer afford it? If asked, I would NEVER recommend this company/LTC product.

Cost dearly, and keeps going up. Go to use it, and they have 90 day waiting period. You can spend another $5,000. Then they will only pay certain people and % if patient is at home. That was the whole idea to stay in my home. AARP should not be involved with this company at ALL. I had insurance for 12 yrs. and $150 average plus a month. Don't waste your hard earn dollar. I would not even give them a one star.

My sister purchased a MetLife Long Term Care policy 13 years ago, now chronically ill. As recent POA for her I am tasked with trying to implement this policy. One only needs to read 20 reviews of this company to find the pattern of repeated delay tactics that seem to be designed to not pay or open claims, fore in other reviews state the same excuses to the tee, such as "this policy was never activated." I am still trying to open a claim and truly think there should be action against this company for their seeming intended actions, I cannot fathom how many people have simply not been able to deal with the procedures that you are not informed of at time purchase.

Waiting now 3 months since filing a claim and still nothing and lots of excuses and red tape. Clearly MetLife hopes that you either give up or die before they have to pay a penny. Lots of ridiculous forms and runaround and they send document to the wrong email address "by mistake" and everything takes 5-10 business days to review. That is each of the 10 steps to get through their onerous process. What a big mistake to get insurance from these crooks. STAY AWAY.

If you are looking for long term care insurance beware when it comes time to file a claim it can take a long while. Once it is all in place the company that handles the timesheets and approvals is very easy to deal with. I have filed a claim for my father and mother in the last 3 years, bad experience both times.