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My mom has paid into this policy since 1990. At 83, she was hospitalized a week ago and I called MetLife to get her claim going. The service I received up to the point where I asked to speak to a manager was appalling. No return calls, no one to answer my questions as to whether the facilities I was finding were covered under her plan, etc. All the while dealing with going to over 15 assisted living facilities, being with my sick mom at the hospital, and placing her home up for sale.
After finally reaching someone who cared, my experience has been 100 times better. They have been calling me and updating me about the process. I am concerned after reading these reviews about the wait time for reimbursement since MetLife cannot give you a date of when your claim will be finalized. I am praying that the better service will continue because I can’t take much more. If our claim is denied my mom will literally have nowhere to go.
If you are purchasing this policy please know there is a 90 day waiting period before benefits will begin once you are approved. Paying for assisted living care for 90 days is no joke and I think any family would find it difficult. Maybe this is typical for other long term care policies, I do not know. As I expressed to MetLife, when people are finally using their long term care policy, it is most likely due to a hospitalization or extreme need for assisted care for a loved one. This is a stressful and painful time for families. The last thing these people need is to be fighting an insurance company who should be there helping in this time of great need for these families. I look forward to writing again when my mom's claim is approved and payment is received for her facility. I truly hope my experience will continue to improve with those I am finally feeling heard by.
Everyone is correct about the premium increases. I've had my LTC policy for many years and the premium has more than doubled while I've had to reduce benefits to keep it affordable. I've complained to the Department of Insurance in PA and MetLife many times and I get the standard answer: Your policy has a provision for premiums to increase if MetLIfe and the Dept Of Insurance feel it's needed. Yes, I know that provision is in my policy but based on sales propaganda from MetLife I never expected the premiums to increase 18.8% like they did this year, on top of all the increases every year prior.
I've suggested to both MetLife and the dept of insurance they place a new disclosure on their insurance proposals to new prospective clients informing them of all the annual and historical premium increases so the consumer can be advised, I still DO NOT see that disclosure on the proposals. Why, they know if they actually told the truth about REAL premium increases NO ONE would buy their product. I take responsibility for buying a crap product but they should be forced to disclose this for prospective sales. Not disclosing their outrageous increases is as bad as the lie they told me about their financial soundness. I'm sorry I ever did business with MetLife.
My mother paid $224 monthly after rate increases, for long term care policy, with cash out if never used. June 2018 I called to make claim for help. I was told up to 15 days for forms. They never came. Mom died July 1st. I faxed death certificate and forms for premium refund $30,000. I've faxed and called and emailed everything they asked for... This is the most UNPROFESSIONAL, CONFUSED company I've had to deal with. It's now January 2019 and I'm still trying to get this straighten out. Next step will be attorney. Very upset. I wonder if this is how they profit!
Where do I begin! My 95 year old WWII vet has been paying into this policy for more than 30 years and now he needs it more than ever. This is the most inefficient, poorly run, joke of a company. Every time I call, I get a different answer. There is little to no follow up. I have to calendar myself to follow up on everything. They can't find my emailed claims, when they can, they can't read the scan of the email.
Finally I received a note that my father's start date for service was in Oct 2016 and that he could retrieve benefits after the 90 calendar waiting period. I have since been told that the waiting period only counts when he receives 2 days/week of treatment which pushes us out over a year to March 2018!!! It seems at every turn there is an excuse or a loophole holding my father's benefits hostage. Between the year of premium payments and now the immense amount of time it is taking me to squeeze funds from this company, it is not worth it. Considering getting an attorney involved.
When I was first diagnosed with ESRD 3 years ago I changed my address with them. I called several times and no changes. I WENT IN HOSPITAL, came out and answer rep Stephanie questions to wait on the claim forms. Keep calling. No form but every rep gives me an old incorrect address. I can't get the service I need. I really want my money I invested into this insurance back. I called for a supervisor at 2 pm EST and inform no supervisor is available today. I just want my money back!!!
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In 2003, I signed a contract with AARP MetLife Life Insurance. I elected a policy with a fixed premium and coverage that would increase with inflation. The contract stipulated that my contribution would never increase due to my age or health. That was the Custom Program. Yesterday I received a letter saying, due to actuarial calculations, my premium will increase 15% in 2019 and more in subsequent years. There was an envelope enclose for me to opt out of MetLife Long Term Care Insurance or greatly reduce my benefit. What!!! After 15 years and $16,000 of premiums paid, MetLife is going to welch on the deal. Does someone out there have the same experience? Who knows what I should do? HELP!
For nine months now I have been calling MetLife LTC about claims for September through December 2017 for my wife's mother who passed away in December. The claims were not fully reimbursed - trying to make the customer service rep understand what is going on is next to possible. Every time I call I have to go over the situation but nobody seems to make notes in the profile/file for my mother in law. The past week I have called five times, one call seemed to have resolved the issue but today it turns out that no notes were made of the conversation, no action undertaken. I have left messages for three coordinators/ supervisors but have not received the promised call back within one business day.
This is so beyond any professional service but then again I have to remind myself of conversations with insurance executives who stated that they are in the business of denying claims. MetLife is terrific in that respect. They should be complimented. Their automatic reply of 'your business is important to us' is such a lie they should be ashamed to have that play every time I call.
My parents faithfully paid monthly premiums to MetLife LTC for over 20 yrs. They were both satisfied with the insurance until they needed it. In the Spring of 2018, my mother entered a nursing home due to permanent health issues she was having. My father contacted the company to initiate benefits. His experience was similar to others: every time he called, either his rep was out of the office, or would call him back (which never happened), after completing a mountain of complicated paperwork & submitting it, his customer service experience did not improve.
It simply changed from it being frustratingly hard to even be able to contact someone to receiving paperwork from the company indicating they were "researching" his claim. Unfortunately, after two months in a nursing home, my mother died. MetLife LTC is still "researching" my father's claim. Even worse, he has now received written notification that MetLife LTC is increasing the monthly premium ON MY MOTHER, WHO HAS BEEN DEAD FOR A MONTH! My elderly father must continue to pay the increased premiums. If he cancels the LTC coverage on my deceased mother while the company is "researching" his claim, he gets nothing.
As of this date, all my father has received from this company is excuses & delaying tactics. Also, after reviewing the 5 star ratings on this site, most of them were submitted over a 4 week period and the information associated with each, indicating what a great company MetLife LTC is all contain general statements, such as "My long term coverage is nice." I saw only one that actually had to use the insurance & it had no specific details, only generalities. Very suspicious to me. I used to think MetLife was a reputable company. Not anymore.
My 87 Year old mother has been approved to receive her LTC since September 2017. After filing countless papers, medical records, Assisted Living Care Plans, and EVERTHING ELSE LTC asked for they still haven't sent any $$$ for reimbursement. To add insult to injury they still send a quarterly bill since they haven't "put in the paperwork" to "waive premiums like stated in the policy." When you call in you get someone different person every time and you are told a supervisor will call you back, which never happens. When you ask why they haven't processed reimbursement payment in 10 days "like the policy states" they say for the amount owed it will take longer for this to be processed. It's 10's of $1000 because they are dragging their feet to pay!!!
The lame excuses, lack of customer service, and run around is borderline fraud. It's bad enough to try to take care of a loved one's needs but to fight with OUR OWN INSURANCE company is just terrible. MetLife should be heavily fined so they don't do this to other people. MetLife should be made to pay interest for the money owed. MetLife should be made to pay punitive damages to our family for the mental worries and stress they have put us through. I HIGHLY do not trust MetLife and I will be switching our Life Insurance, and every other type of insurance we have with them. No family should have to go through this run around as well as being out THOUSANDS OF DOLLARS! DO NOT DO BUSINESS WITH METLIFE LTC. I've reported their actions or lack of action to the BBB as well as to the Insurance Board.
They say they'll call you back in one business day. NOT TRUE! It took them 4 months to approve claims... Had to call the executive secretary to finally get going. I just called and they said they had a lot of calls and to call back in 2-3 hours. What kind of company does that? You have to use their approved agencies. I don't think that sounds ethically right.
I have been working since May 1977 to get payments for my sister who is in assisted living. I am a co guardian of her estate and well being and my daughter is co guardian. MetLife is extremely difficult. All we get is excuses and delays with no check. Yes, we have filled out all the documents and are still waiting for the first check. Their service is deplorable and they don,t pay what my sister is entitled to receive. I strongly recommend that the company be avoided. It appears that we will have to take legal action to get what my sister is entitled to receive.
After paying in for 20 years my mother at 93 needs the long term care. Once the claim was started it took not only 90 days waiting but 135 days before we got a payment. The payments get later and later each month. I have to follow up each month to get a payment and each time for the past year get a phone message that the agent will call you in 24 hours and if they don’t you are to call their supervisor. Then when you call the supervisor you get a message that if they don’t get back in 24 hours call their supervisor.
Each month when I finally reach them there is a new reason why they haven’t paid. I have been bawled out for writing on an invoice, to calling an agent who is no longer handling my mother’s account. I just know that each month I will spend 3-5 phone calls getting my mother's payment. I can’t believe this company is allowed to prey on seniors. As I read the reviews the positive ones are those who have purchased the policy. They have no idea as to the treatment they will get when they try to collect.
After looking at all reviews I noticed that the individuals giving this company high ratings are the ones that have purchased the policy. Believe me if you ever have to use your LTC policy it is a nightmare. My father has had this policy for over 20 years and due to illness had to start using his plan. EVERY month I have to contact customer service about his reimbursement not being paid within the time frame the policy states. They always different excuses and I feel horrible for the elder that have this policy and do not have any family members helping.
We have had this insurance for over 18 years without claims. During this serious health crisis we have found that receiving payment for a claim is a very slow tedious process. After dealing with this process for months MetLife, though they had a copy of our bank check to confirm electronic deposit, entered the information in error. I have been checking with them for a week without any satisfaction. They told me it was my bank's fault and to contact them. I did and found that the payment had been entered erroneously and returned the same day. 5 days later they have still not rectified the issue and sent a new payment to my bank.
We're senior citizens on a limited budget. This company needs to be more responsive when they make errors and timely in rectifying them. I was told it would be at least 3 days longer before anything could be done. Original check sent out on Feb. 13 by bank and returned as there was no account for the number they sent it to. It is now Feb 21 nothing has been done.
I bought my policy in 2002 at the monthly cost of $69.30. The cost now is $163.81 which is very dismaying and makes me wonder if this cost is prohibitive because I could hire someone to help me with my house cleaning for less than that a month.
My husband and I have had paid into this insurance program for 15 years. When I tried to use the insurance they gave me a runaround. 1. It would take 8 days for me to receive benefit forms through the US postal service. Park Plaza Long-term Hospital insisted that they send the form through e-mail, the hospital faxed the completed forms back to them. They gave us a tag by phone runaround for 4 days. We call them and our call was not returned until the next day when they claimed they need more forms filled out. My husband died 4 days later. We received nothing from this insurance. It is a big fraud. They accept money from people and do not pay up when you need the service. After 15 years of payments I think we should have received better service. Think of all the people that are members of AARP that fell for this fraud insurance.
My parents purchased LT care insurance policies from MetLife through AARP about 20 years ago. My father passed away and never had a claim. Now my 83 yo mother who needs in-home assistance for bathing, eating, getting dressed, housework, etc. I started the claim process early October and it's now early December and my mom still hasn't been approved. There's always some excuse from MetLife ranging from they need more documentation from medical providers or they never received it. I am so disgusted by MetLife's treatment of my mom. Do NOT purchase a LT care insurance policy from MetLife! I truly feel they are just waiting for my mom to die so they don't have to pay anything. Shame on AARP for endorsing this policy to unsuspecting senior citizens.
I have been dealing with MetLife Long Term Care for the last five months. We got word of a verbal denial today after five months of waiting. The caseworker we dealt with did not return calls and always had an excuse. It has been a horrible experience. I would not recommend this company to anyone. I plan to appeal and fight them.
My predictive value is very low and it really needs to be more to cover all my needs. They have a lot of options and offer better coverage that I want but I cannot afford all the options I want so I just stick with what I have had. My coverage covers like 10k and that's barely enough to cover my expenses and if something happens to me and do not want loved ones stuck with my bill and so I could leave my kids something. But it is an ok company. I have it cause it is cheap but will cover most cost. I have had it for a long time and have never taken the time to find a better one or a new one that might be cheaper for me.
My long term care insurance is very affordable and authentic. They have a wide range of options and I like how easy it was to choose a plan. The company is honest, reliable, responsible and it really seems to care. It is flexible and easy to use. I like how well this company works for others. The value is astounding too. I love working with their customer service. I was able to do questions and answers online, talked to a very friendly rep and got all the information I needed. It was easy for us to benefit from using this company and I'm glad we did.
There is a lot of nice policy option available to you. Each one has a breakdown of everything about the option. Each one has words you can understand and read. My long term care coverage is nice. I have coverage if something would happen to me everything will be taken care of. My coverage will pay any and all medical bills and current bills I would have. Also, customer service is very good. They help you in every way through the entire process of it. They answer all questions you have so you know you are making the right choice. The value of this speaks for itself. It is very nice to have. It takes away the worry of bills and medical bills that will occur. It will take care of everything for you. All you have to do is get better.
I am pleased that I know who to contact and feel that I would be able to if the need was there. I am also pleased with the options provided. Coverage was explained well when signing up for MetLife Long Term Care insurance.
With the long term insurance I choose to go with is Metlife and they have a great policy option. I really feel like I don't have to settle for less. They cover a lot of what I wanted. I didn't have to worry about not having what I needed. Metlife has a great value for what they offer. What I pay for is what I get and its great. The customer service that I've had with Metlife is also great. I never have to wait on hold when I call and have a problem. Its resolved right then. I always feel like I come first with Metlife.
My long term care coverage is great. It will cover any nursing home or facility of my choice up to 100. I have no deductible that has to be meet before the facility gets paid. You can even choose to stay in your home and have home care if you choose to do so. Policy options are if you do not like the company you can call within 30 days and cancel the policy. They do do not hassle you to keep a policy you do not want or do not need. Customer service experience is wonderful. The representatives are great people and treat people with respect. They are very flexible and efficient with solving problems.
The Long Term Care Insurance covers up to six months which is is very convenient. Other insurance or most insurances cover only the first four months. My Metlife insurance value is worth it. I would even pay more if the premium would go up. You will never find a better insurance. Great customer service, very respectful and always have everything under control. Their policy is simple and very legal. They are organized and always have their files neatly filed. You can ask for a policy copy or they can send it to your email. They always have a good answer to your question. They care very much for their customer. I would recommend their service to everyone. I would not go with anybody else but them.
MetLife's customer service was very good and helpful. They were able to help me with all my questions. There were a lot of good policy options that filled all my needs and that they were very easy to understand. The coverage was very comprehensive and offered a lot of different options. It was very good. The value was also very good and I will be recommending it to all my friends and family.
MetLife's value and coverage are awesome and the policy is amazing. I can honestly say that compared to other companies this one tops the list and I am proud to be a part of this company. The customer service is amazing too. Each time I call in the representative is happy, has a positive attitude and is willing to help.
MetLife is a good company and we feel secure with them. We are confident that they will be there when we need them. Their policy options are satisfactory. It could be better but the more you want the more the premiums go up. Coverage includes room & board, medical staff, and a nice outside environment for walking & exercising. They also have a nice cafeteria & public facilities. Value would be somewhere around $150,000 but this is my perception. Moreover, the staff was nice. Living quarters were fair, clean, and well maintained.
They have a lot of options for you to choose from and the coverage that you need. If you see something that you want they can tailor it to you and your family's needs. You can save a lot of money if you deal with them. I would recommend MetLife because it is a good company.
Applied and was accepted and have gotten the policy we felt was right for our family. The policies we were given to choose from were right for our need and budget. They covered the things we were most concerned with and thought we would need if the situation warranted. The rates and fees were within range for the services and benefits we were looking at compared to other companies with the same general comparisons.
MetLife Long Term Care Company Information
- Company Name:
- Year Founded:
- 1095 Avenue of the Americas
- New York
- Postal Code:
- United States
- (800) 638-5433