MetLife Long Term Care Reviews

I am a long term (20+ years) policy holder of ever increasing rates. As we approach the age of possibly needing this policy (83) it is disheartening to read all the shoddy reviews. Guess we continue to pay and pray for the best outcome if needed. Based on current reviews, I would not recommend anyone buying from Metropolitan Life LTC.

I dare anyone to try and collect on this huge scam. Policy for 25 years has almost doubled in monthly payments and it’s becoming evident they will not honor our claim to collect. My 80 year old husband is in Assisted living which is costing almost $8K per month. The ADL requirements are so stringent that I expect my husband will end up in a Medicare funded nursing home without ever collecting on this lousy insurance. It’s a shame that AARP endorsed this plan… the bills still come on AAPR MetLife Longterm Care letterhead. Beyond frustrated in Michigan.

After paying premiums for over 25 years we unfortunately had to file a claim and it was approved. They misinformed us on several occasions about how they had the wrong numbers of days towards the waiting period. Then indicated that they would use some hospital dates towards the waiting period and then another rep reversed that. Then I requested a refund of premium which I paid after the claim was approved. The Rep said to contact the billing dept. So I did and they refused to send the refund since the claims dept didn’t notify them.

MetLife Long Term Care is definitely a scam. They absolutely will not call you back. Their method of operation is to drag out the claim until the person is deceased, homeless or penniless. I would highly recommend you go elsewhere for LTC insurance. There is a reason Met Life no longer sells LTC policies.

I filed a claim after my brother was released from a 4-day stay in an NYC Hospital, where he almost died. He has been paying his premiums for over 20 years, He has an original AIG policy, administered by AARP-Metlife. We completed the Claims Packet in December 2023. The assigned Care Coordinator also known as a denial specialist, gaslighted us for 4 months on the phone, (which MetLife prefers over sending anything in writing) claiming he did not have a chronic illness. Although she could not read or understand medical reports.

I had a very bad experience with National Rental Cars in Toronto, last year. They falsely accused me of damaging the car - which I DID NOT, and stole 800 dollar from my credit card!!! A real disgrace! I explained several times that I did not damage the car in any way.... but they just don't listen. They just take 800 dollar... Take = steal!! Don't use this company to rent a car, it's really very dangerous!!

Updated on 0309/2024: So after I post my review. I heard back from Met Life per important mail. Now when I selected to pay for this insurance through my employer, voluntarily I did not receive what type of cancer diagnosis they would or would not pay for. Cancer is cancer and who give them the right to clarify that. I feel scammed and insulted and am going to seek legal action against the company.

You are harassing me by calling me every single day. It's becoming harassing. You call from different numbers. I have pleaded, cussed y'all out, and hung up on y'all. I am going to report you to the BBB.

Thanks for the wake-up call! I have a MetLife Long-Term Care Policy since 2005. (19 yrs). After reading all these bad comments about MetLife's Term Care policies, I'm now concerned if this company is a scam. My premiums have increased as well over the years and just got noticed they are increasing them again this year (2024). **All these years they've never had a website to view my documents and profile. **But only a phone # to contact them, why? This is also very odd and concerning. So I've basically been sending premium payments per the statements I receive via mail with just a phone # shown. Today I spoke to a rep. and she couldn't answer some of my questions and kept putting me on hold. Now wondering if this is now a legit company... Your thoughts?

Metlife Long Term Care Insurance - it has now been over 3 months since we have begun our insurance claim and still no response. Our contract says it's a 30 day turn around but that has not been the case. It is impossible to speak to a person, you have to leave a message and pray someone returns your call. The customer service person assigned to your case does not have a direct email, it is a general mailbox. I have sent four emails and never once received a response. This is a nightmare. We chose this insurance because it was recommended by AARP and very sorry about our choice. We are in the process of speaking with an attorney since we cannot get a response from Metlife.