MetLife Long Term Care Reviews

Despite having paid Long Term Care premiums since 1996 with zero claims, MetLife's insurance premiums have increased 5-fold since inception. I'm now retired and too old to find a new insurance company so I'm stuck having to pay unaffordable premiums or go without insurance and obtain care through Medicaid when the time arrives.

My mother in law has paid her premiums for over 20 years. Now that we need to utilize her policy to help with her care they are giving us the run around. I have been trying for months to get it activated. I'm told they have everything they need, then the next person says they need more info.... Even when they eventually get around to approving it we have to wait 100 days before we can access it. I told them she could be gone by then. They said if she was under the age of 70 we could get her premiums back if she passed before using it, but since she is over 70 we are basically screwed. MetLife is a horrible company!

First of all - buyer beware when it comes to this ConsumerAffairs site. Their Ratings are off. For MetLife Long Term Care, if you actually look at the reviews, 9% are zero stars, 33% are 1 star and only 22% are 5 stars. The chart on Consumer Affairs shows it as 31% 5 stars and 32% 4 stars with only 14% as 1 star. This is highly misleading. In addition to which, many/most/all of the ratings of 4 and 5 stars are clearly fake, all basically saying the same thing and many include the same grammatical errors and typos. WHY DOES THIS MATTER?

Both my parents paid into MetLife long term care. My mother passed away before making any claims and it took three months before any action was taken by MetLife despite several phone calls and email. They said it sometimes takes two weeks to reply by email becuase they are responded to in the order they are received. They are also extremely slow in paying for claims, informing the policy holder if there is a problem with a claim, or simply responding to questions. I've currently been waiting for a claim that was sent almost three weeks ago...several email and phone calls from three separate people and none of us has received a response about the delay. Horrible customer service. As a comparison, I had a question about a policy from AIG and my email was responded to (and resolved) within one hour.

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.