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.

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.

My mother has paid for the Long Term Care "insurance" policy for 15 years. Nearly every year there was a price increase, and finally, after 15 years, she had enough and wanted to cancel. I spoke to three different representatives in the past three weeks, and I received three radically different answers. The representatives will give you the absolute minimum amount of information they possibly can, and if you do not ask specifically, they will not divulge any information.

Very vague when I ask questions about my policy, but on the spot when money due. I do not at this time need their service. Purchased policy 13 years ago. Increased premium every year since I hit a 10 year mark with them. I called & Wrote to our state's insurance board, which they claim they have the authority from them to increase my rates every year & I get a sort of "dear John-type" letter generic in nature explaining how medical costs go up. Has anyone that has had trouble. Collecting benefits ever contacted their state's insurance commissioner or insurance board with their problems to see if they can give support guidance in your efforts to file claims, get answers, etc?

My 90 year old mother began paying her long term care 25 years ago and always talked about counting on it when the time came. That time is now and I have been the one who has had to interface with this organization. I would rate them no stars but that wasn't an option. Starting at the beginning, the maze of forms repetitive in nature, you would have thought my mother was getting a secret agent job with the Federal Government for all of the crazy forms I had to submit. Funny, they knew exactly who she was when it was payment time.

I had to apply for LTC for my father since he is extremely infirm and has dementia. I got jerked around just like I read in a lot of the other reviews here. For some odd reason I just decided to come take a look at their reviews. LOL. I couldn't believe how bad they were. I actually feel kinda lucky compared to some of the people here. At the end of my long exasperating process with them, they finally agreed to pay up. However, they decided they were only going to pay 54% of the highest premium amount, (which in his case is $90 per day).

My father purchased an expensive, long term care policy for my mother 20 years ago. In the past year she has had 2 ischemic strokes and a very serious hemorrhagic stroke and needs to be in assisted living. We have experienced what can only be described as criminal tactics and abuse with this horrendously irresponsible and uncaring company.

DO NOT BUY METLIFE LONG TERM CARE INSURANCE. My mother-in-law had a stroke in April 2019. She has had a monthly draft on her account by MetLife Long term Care for decades. It is now October, 6 months later, and we have yet to receive any funds. It has and continues to be the most frustrating experience of my life. Everything takes 7-10 days to process. (By the way, it takes the US Mail 10 days to deliver a letter so use email and scan all your docs and have them confirm they got it by return email.) Can you imagine how much money they make by holding everyone’s payments an extra 6 months. They also continue to draft your premium until they approve your claim. I would hope there’s a company out there with better customer service and business practices.

Stay away from this horrible company! Our 88 year old mother purchased Long Term Care insurance over 22 years ago. She was told she would get coverage once she is unable for perform 2 activities of daily living such as dressing or bathing etc. Our mother can not bathe safely alone, she has difficulty walking, she can not drive or shop for herself, she has left the stove on several times, she has a leaky heart valve, and total collapse of her feet so they are sideways and she is literally walking on bone. We have being trying to get coverage for the past 9 months and they just keep finding ways to delay and deny coverage. I can't believe they can get away with it- not sure where to turn.

My wife has terminal cancer, needs constant care, will be in hospice in near future. Met Life does not provide any guidance on how to present a claim, delays any response, fails to acknowledge receipt of completed forms, ignores phone calls. Never speak with the same person, no one signs correspondence, appears to looking for any excuse to not process or make reimbursement for claims submitted. Not sure if complaints to State Bureau of Ins will make any difference but plan to file a complaint for their failure to respond or give reasons for not handling claims in a timely manner.

You will read reviews about the company and people dealing with their services. Read what the reviews from the old people who have paid for years have to say how ** up this plan is. The Bottom line as a NYC policeman who took the plan out in 4/1992 (when the plan just started and seemed like a great idea) and has paid over $16,000 to these lowlife corporate shyster lawyers who devised this scam which is a exactly what it is. At 74 years old now and many physical problems they will not pay you. Forget you are in constant pain or can’t breathe because you were a smoker. The fine details are that you can’t feed yourself, can’t get out of bed, can’t dress yourself and need a wheelchair or crutches. Basically need to be bedridden and nearly dead. Plus they will take away your benefits and bill you again if you should fail your monthly monitoring. DO NOT BUY THIS BS SCAM!

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.

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.

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.

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!!!

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.