MetLife Long Term Care Reviews

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.

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!!!

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.

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.

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.

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.

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.

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.

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.

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.

They were very friendly to me when I talked to people and they had no troubles answering all of my questions. Overall I'd say great customer service. Great business. I pay a little bit every month and I'm covered for pretty much anything that could happen to me for the rest of my life because of my MetLife long term care insurance. They allow you to pay basically what they think you're able to afford and give you the best coverage possible. The value of my insurance is great.

The policy is usually easy to understand and always have step by step instructions for those who need it if they ever get confused. They have many coverage options to choose from that you are more comfortable with and that it will always fit your budget and have everything that you are looking for in an insurance program. The value is very high. They go beyond and above to get the consumer everything they need to have in a insurance program. They are always loyal and honest to the customers also which makes them a true keeper. They help in resolving the problem in a timely manner and are always there to help. If they fail they always go back and fix the problem.

The company offers a number of policies for all types of customers. Coverage depends on the policy you pick. If you picked individual or business & institutions, the value can increase or decrease and it just depends on what either has going on and could cost you a little or a lot. They will take time to explain each and match what policy is right for you. They are available to answer any and all questions. They give customers many different ways to contact and reach your department to get a resolution to any and all problems.

I really really like MetLife and I will just keep blabbing about how great they are. They have wonderful and helpful customer service. Policy options are all through my employer though. This is what they offer and I have to go with it. But I cannot complain very much because it was a very good option.

I have MetLife Long Term Care through my place of employment. They have very well customer service when they explained the plan. I am very very satisfied with all of the options that they provide for me to choose from and the coverage plans seem to fit me very well. The value seems to be reasonable with all the other programs that are available to me. Will be checking around but very satisfied with the value. I will be trying to upgrade in the near future.

I'm happy with the overall coverage of MetLife Long Term Care. They have a few different policy options to chose from, makes it easy to pick a plan best for you and your budget, cheaper than some other companies. The customer service is pretty good. I currently have no complaints. They are very helpful and easy to understand.

I love MetLife Long Term Care. It pays to be able to be older one day and not have to worry as much due to being broke and needing medical coverage. You never know what the path holds so it's a beautiful idea to be covered in bad timings. The value is also nice for the fact that it IS long term and the policies are easier to understand and it makes you know that you can care for yourself without it being a long drawn process. You feel able to live life a little more free. They truly care for their customers. They have supported my questions and if they couldn't answer it they would definitely make sure I found the answer with them.

Policy options were great. They fit my budget perfectly and I felt good about using this service. The coverage was nice and pleasant. Value was cheap for the extensive service in which the customer will receive. It's nice to work with this good company. Their service was very reliable, trustworthy and awesome. Customer service was OK but could have been better and more clear. But they were wonderful to talk to and pleasant. Would definitely recommend.

I'm paying for a long-term care service and I am extremely happy with my coverage that it's locked in at a flat rate for at least 5 years. Even if they change it, it usually doesn't go up by much. I also get exactly what I pay for and ask for. In addition, there are many policies to choose from and they are very flexible. Whatever kind of policy you need, whether it be an ordinary one or a policy specific for you, they will get it done. Sometimes I get someone who is more than happy to deal with me but other times, I get someone who seems like they don't even want to be there, let alone help me with my problems.

Overall an enjoyable experience. MetLife made it easy to apply, made sure I had a firm understanding of the policy, worked out the details of coverage and made it affordable. The policy in which I currently hold has a coverage of about a quarter million dollars or $250,000 in coverage. But more than that it gives me and my family the peace of mind that in case I do need care that there is going to be a way to get it and maintain that care in a fashion that is reasonable for me and my family both. It allows for placement in long term care with the coverage of all services and medications to be covered.

The customer service at MetLife Long Term Health Care was great. They are professional, very knowledgeable and they answered all my questions. The policy options were explained to me very clear. I liked my choices and were very happy with all policies. Also, the coverage of MetLife Long Term Health Care is perfect. Everything is covered that relates to long term care. The value of MetLife Long Term Health Care is overall very good. I pay a good price for a good service and insurance. I like everything and would recommend.

The customer service was extremely helpful to me. They answered every insurance question I had and they were able to explain the different types of policies they had. MetLife provides plenty of policy options to choose what is exactly what you need and they can help you figure out exactly the policy that is right for you. The coverage is great and works perfect for me. It depends on what your policy is but there are many different policies to figure out exactly what kind of coverage each policy has and figure out which one you should get. Each policy has a different value but you can decide what policy is right for you and what you can afford. The value is very fair for this long term life insurance company and I'd recommend this company to others.

I am very happy with the coverage. I think for what the benefits I would be receiving the price is very valuable. Being a physician, I depend on my hands to do my job, if god forbid something were to happen that my hands cannot be used their insurance would be a lifesaver. I thankfully have not needed to use it but I am confident that when and if I needed them they will be there to assist me. We had a rep come to my workplace, a hospital, to sit and explain to each of us all of our options. They were able to show me how much my monthly cost would be depending on how much of my salary I wanted to receive monthly if I was needing long term care. Every time I call, their customer service were always very helpful and answers all my questions. Even if the wait was long, which was never longer than 5 mins, they were apologetic and ready to assist me in whatever I needed.

MetLife Long Term Care has the option to stay in a facility or have a caregiver come to my home. The coverage (dollar amount) differs depending on which option I choose. A long-term care policy is valuable due to the rising cost of long-term care. It will cover most if not all of what is necessary should the need arise. Medicare and/or health insurance(s) companies will not cover long term care costs in most instances.

The policy options were great. I went with the basic options, however there have been incidents where I was able to take control of my policy. I would love to always be able to handle this on my own terms. I have never had a problem getting the service I need and there has never been a reason for me to doubt the customer service. With Long Term Care Insurance coverage I am able to be accepted and approved by most if not all hospitals and clinic. Overall the insurance is very useful and comes in handy a lot.

Everyone at MetLife has been very nice and helpful. They are very good with people and I definitely recommend them. They have a wide variety of options regarding policies which is good for me because I didn't know what I was getting into at first. The coverage seems good so I am happy with it so far. They are a good company with a good reputation so I am confident my coverage will be fulfilled. It's expensive but for my needs, I am happy with the value of it. Hopefully, it's worth it in the end because it's a lot of money.

MetLife’s policy options were extensive making it easy for everyone to receive the type of coverage that they desired. I am getting everything that I need and the rates are much better than the ones I researched with other companies making it accessible to people of various income. Plus, the numerous options make it easy for people to choose what is best suited for their needs. I like to get as many details as possible when it comes to purchasing items. The customer service representatives answered all my questions and were very professional.

MetLife has the best value for your money. They’re very cheap and I’m covered from head to toe. The customer service representatives are professional and prompt. They make sure they handle whatever issue or concern you may have. I would recommend this company to anyone of my friends and relatives.

They have policies that are easy to understand and you can always find something that fits your situation. Prices are reasonable and policies are written so everyday people can understand them. I feel secure with my policy and do not worry about problems if I have to use it. All my needs are taken care of with my policy and my family will be take care of in case my policy has to be used. I'm always informed when changes are needed or made in policy coverage.

MetLife is reliable, reasonable and secure. The kind of insurance everyone would want for themselves. Dependable. I trust them with my family. They covers kids of all ages and adults as well. They also pretty much cover various insurances and work with people if your insurance does not cover necessities. Their policy is best for me and my family. They work with you based on each individual situation. They have various payment plans and payment options. The value of the insurance is worth the risk. The quality is top notch and I would recommend this company to anyone looking for something worthwhile.

I called MetLife to address a concern. For some reason I couldn't pay through online crediting but, customer service help me clear this up really well. They help with everything. The options range from life insurance with mild illness and you can also get family insurance and burial insurance. As long as you keep up with your premium the quality of services will be exceeded. If you stop payment the previous payments don't matter and still belong to them, after they drop your coverage. There can always be better options and better choices. But if you want someone that will be there in your time of distress, they will come to your aid. It may be a costly penny but it's definitely worth it.

The policy options overall are great. There have been a couple times where certain services were not covered, but that is pretty rare. All basic needs that I can think of are fully covered. There have been a couple services from specialists that were not. However, those instances are few and far between. Overall I feel like I have pretty adequate coverage. The payments have all been reasonable, especially considering the coverage that is received. There have not been any moments that I've been frustrated with the cost or feel like I'm being ripped off. It feels like an honest company. Whenever I've had the need to make a phone call, I'm treated with a friendly and knowledgeable rep. They are helpful and try their best to be quick and efficient. It has always been pleasant.

Lots of rules for claims and no one from the company communicates with customers. Followed the written instructions given for claims. Was told they no longer apply. Asked for the new rules in writing and was told that they could not send them. If you call to ask questions of different representatives they give differing answers. Not at all customer friendly. Did I say zero communication! Nothing you send in gets confirmed for receipt. Claims rejected get no notice, you have to keep up with what was not paid. Then when you call in and correct whatever issue they had with the claim and resubmit it gets denied again, with no notice or communication, did I say no communication. When you call back you are told it was denied due to the instruction of the person who said it was denied the first time and to resubmit the way it was done in the first place. Do not question them. They get irate and insinuate you are trying to falsify claims.

Good peoples! When we spoke it seemed like they were genuinely trying to help me out. I've spoken with other financial advisors and they in some way seem to be motivated by commission. Metlife's policy included several options in case there was accidental death or dismemberment but even more content like illness associated with cancer etc. And it seems if we age past the age of 90, we will still get coverage as if we were in our early seventies. Not bad as far as we're concerned. The value is pretty good as we will be able to get dividends at the same time. It would be cool if we could roll everything into an IRA but it's probably low-tax issues anyway.

So I guess you pay thousands of dollars year after year for insurance protection you hope you never need. Then the time comes and you need LTC for your elderly family and guess what? MetLife NEVER CALLS BACK. So good luck getting "Long Term Care" before you die waiting for a call back. As well, you cannot submit a complaint on the phone! Well, try calling their corporate office on the east coast! I had to call several times to get that number. For now, be warned and save your money. Better yet, find a reputable insurance company because MetLife IS NOT the one you can count on!

Although the experience was okay and they were nice to me, customer service was not at all like what I had been expecting from them would be like. They don't handle questions very well. It's also harder to come to terms that you need their company in the first place. I did not like my policy options at all too. I am paying out of my butt to have certain coverage from them but they aren't covering everything I was told that they would cover. I am very disappointed with them and I would probably be better off paying out of pocket.

I enjoy using customer services and never have problems. They are always considerate and they help with my questions. They are always there to listen and they don't rush you off like others do. They help you decide what is best for you. The policies and packages, their prices and the options are great. There are diff ones, life insurance, car, etc. They keep your stuff private. The long term care insurance coverage is great. You can choose what you want to be covered for, when, how long, etc.

Good people on the other end of phone. Also, the gentleman that assisted me in person was both knowledgeable and helpful. They are always there to answer questions and the web page is also a great resource to use. The options are very helpful and could cater to your situation. You are not stuck with one and these options were clearly listed. Also, the coverages are very easy to understand and are more than acceptable and affordable. You will be living comfortably in the end. Of course, you get what you pay for in this situation. However, you could spend on something else but not nearly as helpful for your security. So the perceived value of their coverage is excellent.

They know how to handle my needs and were nice to me. They are willing to help and are very understanding. Also, I can cancel the account whenever I want and my payment options are comfortable. I love the policy and the coverage is awesome. It covers everything including my medical exams and visits with the doctor. The value is fair and I get what I pay for.

The insurance policy is through my employer. There were not many options. The only options I could make was how much money I wanted to put into the policy. But it is valuable in the event that something was to happen. The policy can save a fortune on expenses that would otherwise be expensive. Also, providing my family with some means of income.

My experience with customer service has been positive. All my questions were answered and any issues were resolved in a reasonable time. The policy options were clear and easy to understand. They had many and flexible options allowing me to choose one that fit my specific needs. The representative was also helpful and explained the coverage to me so that I could choose a policy that had the coverage I wanted. The value of my Long Term Care Insurance is what I was looking for. It was not too expensive and yet not too cheap as to question its quality.

Customer service is great. They are fast and efficient and very, very nice people. They make sure all your accommodation and needs are met and that's why I'd recommend this to anyone. Lots of different policy options to choose from so that's really good and I appreciate that because I honestly didn't know what to do before I heard about this. Coverage is great. I'm definitely satisfied with the coverage. It's just what I need and I'm glad they cover their customers or else I wouldn't be with them. Their value is pretty decent. It could have been a little bit more cheaper but I appreciate it and couldn't have found a better company.

I am sending this review in the hopes that someone out there can lend us a helping hand with this Goliath corporation MetLife. My husband is a Vietnam Veteran residing in an assisted living facility. We purchased a MetLife Long Term Care Policy for him on March 12, 2003. Since that time we have diligently paid the $884.88 annual premium, never being late or missing a payment.

The customer service representatives were very helpful, friendly, and knowledgeable about insurance and explaining how everything worked. I was very pleased with their service. The customer service representatives were very helpful at helping me find coverage that would be able to cover my mother's needs. They made everything seem so easy.

The customer service for Metlife is awesome. They are always ready and available to answer your call and address any problems you might have. They are very reliable. The policy options are very good as you are able to choose the coverage that is applicable to you. The coverage premiums are also very reasonable. You are able to choose from different options which make it more affordable for everyone. The value of the insurance policy is effective as you get more that what you pay for in terms of premium. Essentially, it all depends on the policy options.

My company used to do business with MetLife, but they've dropped them for good reason. We could choose to stay with them and I did. Not only have I had to call multiple times to get my personal information updated, but they can't get my billing correct. They are overcharging me and no one can explain why. I've asked to speak to a manager, but am told the manager is not available and I'll get a callback. I have been a long time client and deserve to be treated with respect. I've never filed a claim, they've just been racking in my premiums and this is the treatment I get for years of my business? Time for a change. I now see why my company left them.

Everyone there at the customer service is very good. I like the fact they take time to answer my questions. They are very nice and helpful. The policy options, I like the fact that they verify your contact stuff. They are very nice and remind you of the policy. They do not let any of your information slip. The overall coverage is very very very good. I do recommend this insurance company. You will not be disappointed because they take their time to talk to you and understand you. The value of the insurance company is okay. I do like it a lot. I cannot complain, but I don't like that sometimes the calls or website glitches.

I have never had to use this service yet since my insurance is for later on in case I need it but I am sure it will be just fine since it is from Met Life. The policy was chosen for me by family members and I was told they had many options to choose from and all very very good and reasonably priced compared to others that they had researched. My policy covers if I have to go in a nursing home or need recovery therapy or home hospice. I am really not sure as I have not needed this sort of thing yet but the website is very informative so I am sure it can answer all questions one might have. I have no idea what this policy cost my family and I really wish they really would not have gotten it for me but they were concerned about my health as I got older (even though I have never been sick in my entire life). It must be reasonable as they work in retail and do not have much to spend and they said it was the best for the value.

I haven’t had to do much with the customer service as it's set up through my place of employment which makes it easy. The policy is easy to understand and covers what I have very well that I feel my family should never have a question when it may be time to use this insurance. I feel like my coverage will take care of me very well and fits my needs being a young adult. I am very satisfied with what I have... As I am cheap and don’t like to spend money on extra insurances it’s not my favorite thing I see come out of my check but I have to remember that I will want/need it later in life and I will be very thankful for it then.

They are very professional and efficient. They do most of the work for you. There was a little bit of paperwork, but not too much. You should consider MetLife. I have peace now. They have a large variety of policy options available to you. You have to choose the one that will ultimately be best for you and your family. I have peace knowing my family won't have to struggle. They will cover all my care should I ever require long-term care. I'm so glad I have this insurance. I won't have to worry, and neither will my family. MetLife provides you with a good value. The price is not nearly as high as you would think it is. It's definitely worth the peace of mind for you and your family.

I love the customer service of MetLife. They have become one of the popularity in the United states. I would recommend these to everybody. They are very honest and have much respect for the customers, well mannered. The policy was very hard to understand but since you read the terms of it it is very understanding. I had to get my lawyer to help to make decision with them and I pick the right company to myself. The coverage was full and honest with the value. I would tell everyone to get the best for the best. It is worth it. You wouldn't waste your money on nothing. My money was well spent on this company. I pay every month to them. I would let everyone know to be with them and to get up hurry and sign up.

The customer service they provide at MetLife is truly exceptional. They were so kind and helpful and made sure I understood all of my options and helped me select what best fit my needs. At MetLife they had plenty of policy option that customer care went over with me. I let them know what I was looking for and what I could honestly afford and the helped me choose one that best fits my needs at a price I could afford. The coverage offered by MetLife is amazing, given what I knew I could I afford it went in expecting very little but was shown something affordable and more than worth it is definitely walked away feeling secure. The value of what I was offered by MetLife is more than what I pay it truly is affordable their customers care and service also make its value much higher I couldn't expect anything more

There are many different policies to choose from and can be somewhat intimidating for someone who does not understand the differences between all of the plans. The coverage seems to be broad enough to cover any needs that may arise in the future as I get older. The price I pay for the plan I chose seems to be comparable with other similar companies' offerings.

Customer service is great, but like many businesses, it doesn't feel like they genuinely care or wish to go out of the way to keep you as a Customer. Policy options are standard, you won't really find anything fancy or different from any other long-term care facility policy company, or other insurance companies. Overall coverage is standard, but not superb. It covers only the basic essentials and not a whole lot of anything else that I feel is the company going out of their way. I will say that the value for the policies and coverage you get are also fairly standard, you get what you pay for, and Nothing More than that, really.

The customer service wasn't the best, but I was satisfied and happy enough with it. The customer service line seemed busy and when I tried to call they weren't that helpful. There were plenty of policy options to pick from. I'd highly recommend MetLife for this reason. They offer many options such as auto insurance, life insurance, etc. I'm happy with the overall coverage, but not enough to recommend it to friends/family. The coverage left me satisfied and happy with MetLife. MetLife is good for its value, and I'd highly recommend it to anyone looking for a cheap for good insurance company. I get a lot of coverage for such a low price.

There were quite a few options that I had through my employer's website to customize it. So overall because of all the options I'm very pleased and happy with the service and options available to me. My coverage is everything that I would need and ask for. I would be more than fully covered if something happened to myself to keep myself and my family safe and covered. Great value for what we get coverage-wise. The ability to customize it with the many available options and the pricing was sensational. With all those considered it's very valuable.

When my mother finally went into a nursing home with AD, we were relieved to find out she had a long term care policy with MetLife. Living out of state, we needed to transport my mother by ambulance. The bill was $7000.00. Transportation was covered through her policy. However, Medicare paid, $650.00 of that bill. Guess what? If Medicare pays even one penny toward a bill, MetLife pays $0.00. The way my story ended. I submitted all charges incurred while in the nursing home. MetLife total contribution: $0.00. NOTHING. They covered NOTHING. Do not be duped. This is a cash cow for MetLife. They know the numbers, what % go into a home, how long they live there, what Medicare covers. DESPICABLE!

Trying to obtain benefits, have talked to at 4 different agents after submitting 8 pages in a claim form that was sent. I have a healthcare aide that comes to my home from an agency that qualifies thru Medicare that assists me in helping me personally & doing chores in my home. My disability has interfered with normal daily routines. I was told I do not qualify for benefits "according to page 10 on my policy". The agent had me so upset I broke down. I sleep in a hospital bed, use a CPAP machine, use of a walker is every day.

I love online services and they have awesome employees that are always available when I need their help. Love that they have up to date services also. They are always available and provide the best overall experience for me no matter what. I love that they are always conveniently accessed whenever I need them. It is a package designed with my family's best interest in mind and I know that I am making the smartest decision possible by keeping my business with them. I absolutely do not know of a more personalized better service that could be offered to my family. This is truly the perfect choice for us.

Easy to work with, friendly, reliable and honest. Timely and responsive. Take you and your problems seriously. Never had a problem when working with them. Many options that are all very easy to read and understand. If you don't understand it is easy to find a more detailed and simpler explanation. The coverage is very good. I feel like I am getting the most for my money and time spent deciding what I would like. Always someone to explain coverage for you which is nice. What you are paying is very reasonable and worth it for the product you are getting as well as the people who have to work with. Very reasonable and valuable.

I haven't had a lot of experience but I’ve called once and it was great. Very easy to deal with and best experience. Great policy options. I made a personalized package just for me and I feel more secure than ever in my decisions. MetLife has been the best option for me and I love it. Great coverage. I feel set for life and never feel like I have to worry about my family after I pass or after I get deathly ill. Thank you MetLife. MetLife is a great value. I've never felt cheated in any way. The cost is low and efficient for me and my family.

They've been good and are pretty good with the phones. People are pretty nice and they answer questions. Plus I love that snoopy promotes them! The Policy options are fairly varied. I have found a helpful one for myself my family and my future. I am currently happy with it. There were enough for me to find the right one The coverage seems to cover what I need it to and makes me feel fairly safe. I think this was the right choice for us and think we are getting the care that we need and deserve. The price we've paid has been doable and a simple experience. We are getting what we pay for so I am happy with those results. Seems to work for us.

Professional and helpful agents who are well educated and knowledgeable about their job. Both on and off the phone, my experiences have made calling for information a breeze. I currently have no complaints or issues with my policy and all that entails. I am happy with the care I'm receiving. Do not have a bad review at this moment. Coverage is exactly what I needed and wanted. It fits my life needs and was flexible in giving me all of the long range options I desired. Money doesn't grow on trees, that's for sure. In this area, I don't have to worry about my pockets getting lighter. I am very pleased.

I contacted customer service once and they were kind and courteous. They helped me answer my questions and did so in a timely manner. Very helpful. They have a good variety and are comparable to other companies and their policies. They had what I needed and wanted and for onto my life's needs. The coverage is fair and comparable to other companies. It fit my needs and was just right for me. Good value for the money. The coverage is fair and equal to others. It is good customer service. I would recommend to others. The customer service is good.

Whenever I've had the need to make a phone call, I'm treated with a friendly and knowledgeable rep. They are helpful and try their best to be quick and efficient. It has always been pleasant. The policy options overall are great. There have been a couple times where certain services were not covered, but that is pretty rare. All basic needs that I can think of are fully covered. There have been a couple services from specialists that were not. However, those instances are few and far between. Overall I feel like I have pretty adequate coverage. The payments have all been reasonable, especially considering the coverage that is received. There have not been any moments that I've been frustrated with the cost or feel like I'm being ripped off. It feels like an honest company.

They were helpful with a difficult situation. I was off of work for a long time after a horrible car accident. It was comforting that I had this insurance for a back up and they sufficiently made sure I was covered. It helped that it covered at least sixty percent of my wage for a long period that I was off of work. The waiting period for the payout was 120 days. The coverage was as good as I think any long term care would cover. I appreciated the help with lost wages so it was important that they were fast and processing my claim. It is hard to pay for something that you are not sure if you are going to ever use but it is also very nice to know that how much I pay in premiums will eventually pay off.

I have had limited experience with their customer service, but whenever I have called they have been helpful. Short wait times, minimal or no transfers, clear responses. They provide plenty of options, allowing for optimal coverage even for those with lower income. I plan to save more as my income increases, and the plan allows for this but it suits my needs now as well. The plan allows me to feel confident in my ability to be covered. Even though my income is relatively low, I was still able to find a plan which suits my needs and which is reasonably priced. Again, I feel the the cost is affordable, but without sacrificing quality. The ability to feel secure is really invaluable... But nevertheless comes with a price tag. In my opinion, the price tag here matches the value.

They have always been super helpful and friendly. They are sure to answer any questions or concerns I have. I have always received prompt attention from them. I am happy with their policy options. There are options that can be suited for their customer's various needs. It's nice to have a company that gives their customers options. The coverage is ideal for my financial and health situation at this time. I was able to choose a plan that meets my needs. I am very pleased with the value and coverage offered. I have already told several others and recommended this to them. I appreciate the value they are offering us.

To MetLife, if zero stars was an option, your rating on this site would be WAY lower. To MetLife customers, if you have received unacceptable service from MetLife’s Long Term Disability division like I have, please read this entire post. Together we can do something about it. There is a new level of corporate greed that many insurance companies have adopted since the 90s when Allstate Insurance Company hired a team of lawyers to find out how rich they could get by not paying customers on their claims without being thrown in jail. Once they found out it works, other companies have joined in.

Good people! When we spoke it seemed like they were genuinely trying to help me out. I've spoken with other financial advisors and they in some way seem to be motivated by commission. The policy options included several options in case there was accidental death or dismemberment but even more content like illness associated with cancer etc. It seems if we age past the age of 90, we will still get coverage as if we were in our early seventies. Not bad as far as we're concerned. The value is pretty good as we will be able to get dividends at the same time. It would be cool if we could roll everything into an IRA but it's probably low-tax issues anyway.

Customer service was not very helpful and often took too long or was too much of a hassle on both ends. I would not recommend this to anyone looking for something of use. Most of what they do is satisfactory at best. Nothing is incredibly outstanding or noteworthy. All of their actions fall right at 'okay', mediocre, and just acceptable. Coverage spanned all necessary topics but nothing further and no benefits aside from a big name. It wasn't very standout though so don't expect too much. It was a good value, not preferred but better than many. However you paid for what you get and you didn't get much so obviously that was why the price followed through.

All questions I had were answered professionally. The person I spoke to was very knowledgeable. She made me feel at ease and didn't rush me. Seemed to me that she genuinely cared. 80% of payment was timely. The bills were played with minor questions. I was just very satisfied with the service I received. I highly recommend the insurance to everyone. MetLife is awesome. I had no hassle with payments and they treated me with respect all the time. If I had a problem it was resolved in a timely fashion. My opinion the insurance is priceless. It kept me from more worry and I could concentrate on recovery. It made life more enjoyable and helped my recovery easier.

It's been limited but they legitimately want to help and are very professional. Easy to speak with and they seem caring and concerned. Don't spend much time not speaking to a human. Options are plentiful and good for all customers. They seem fair for most people and gaining a quote was simple. They knew what they were talking about. They seem to want to help with the most coverage. Options are good. With good customer service it means the experience solid. The price seems fine. Coverage is good. Options are appropriate. Overall we are going to say good things.

Agents are very helpful with assisting you with finding the right policy for you. Any issues I have had, they have solved them in a matter of minutes! They are extremely efficient in all that they do. I definitely recommend! They offer a nice assortment of policies that are fit to your lifestyle, your income, and your other needs as well. It's easy to pick a policy because they are all fantastic! And there are wonderful agents to help you along the way with your needs. There are a lot of options offered within each policy. Each policy has its own benefits and offer great coverage that fit whatever your needs may be. This is a wonderful company. The policies offered are very cost efficient and worth the amount you have to pay. They are a lot cheaper than most companies and offer more too.

Every time I call in to inquire about coverage needs I am greeted and treated with respect, my questions are always answered in a timely fashion and the hold times are not excessive. Their policy options are very flexible. There are numerous deductions and every time there is a change to my policy they give me all the information in a timely manner on how this will affect my current policy. I am very happy with my overall coverage. I have never had an issue when calling in and all of my questions and concerns have been addressed in a very timely manner. I would definitely recommend. The value of my policy I am satisfied with - I truly do get what I paid for and the peace of mind that I have for the price that I pay it's very acceptable to me.

Reliable, reasonable and secure. The kind of insurance everyone would want for themselves. Top of the line quality and dependable. I trust them with my family. Their policy is best for me and my family. They work with you based on each individual situation. They have various payment plans and various payment options. They covers kids of all ages and adults as well. They also pretty much cover various insurances and work with people if your insurance does not cover necessities. The value of the insurance is worth the risk. The quality is top notch and I would recommend this company to anyone looking for something worth while.

The insurance policy is through my employer and I have never had to use it. I signed up for it just because I figured if something was to happen it is better to be safe than sorry. There were not many options. In fact, if I remember correctly the only options I could make was how much money I wanted to put into the policy. It is one of those things that you sign up for just in case you may need. It is valuable in the event that something is to happen. The policy can save a fortune on expenses that would otherwise be very expensive. Also, providing my family with some means of income.

I called to address a concern, but for some reason I couldn't pay through online crediting but, customer service help me clear this up really well. The option same range from life insurance with mild illness. You can also get family insurance. And burial insurance. They help with everything. As long as you keep up with your premium the quality of services will be exceeded. If you stop payment the previous payments don't matter and still belong to them, after they drop your coverage. There can always be better options and better choices. But if you want someone that will be there in your time of distress, they will come to your aid. It may be a costly penny but it's definitely worth it.

I like MetLife, my dad had it also. I had no problems receiving payment after he passed away. It was quick and efficient, no grieving, waiting to pay bills after he passed away. It's great insurance to carry. Long term insurance means this will carry your loved one through long-term period... Usually in a long term facility, thereby taking weight off the families. The values of this aren't so bad that you can't afford other things. My dad was able to afford other living expenses as well as his insurance obligations.

My customer service experience is very good. Everyone treated me well the first time around and they made it easy for me to find the plan that was best suitable for myself. They made things easy and very easy to understand. The policy options for MetLife were great. They had many options that are best suited for you and your needs. They are not afraid to work with you to find your best option and to work around other options for a policy that fits you perfectly and best.

Possibly the most incredible customer service. Very reliable, attentive, informative, resolve problems impeccably well. Anyone wanting to get this insurance will always be satisfied. The customer is alright - doing business with them. I've been a client with them for over 10 years and am not, in the slightest, thinking about leaving. You won't regret it, I know I don't. Their policy is absolutely incredible. By far more outstanding than your regular insurance company. They solve all my needs, care for what I need when I need. I'd recommend these people 100% of the time. I love their policy. Coverage is quite extraordinary. Absolutely amazing - outstanding company. I can't say any company has better coverage than they do because they simply do not. Get them. I recommend them to anyone who is in need of their services. They offer everything. I don't regret them in the slightest, and I will continue to have them as my insurance forever.

Quick and fast responses. Accurate dealing with issues. Friendly service. Used both email and phone service. Phone was fast and not difficult to use at all. Email replied within 24 hours. Lots of policy options to choose from. Minimum amount of coverage available or maximum depending on needs. Prices are very competitive with other companies. Great service. Have had zero issues with the company. Good policy for a good price. Overall excellent customer service and ease with dealing with claims. Good prices and a variety of choices for all different options. Value for all services is excellent.

They were nice to me. The experience is okay. It's harder to come to terms that you need their company in the first place. Customer service was not at all like what I had been expecting from them would be like. They don't handle questions very well. I am paying out of my butt to have certain coverage from them. They aren't covering everything I was told that they would cover. I am very disappointed with them. They aren't covering enough for me when compared to what I'm spending. I would probably be better off paying out of pocket.

Every person that has helped me with my situation has been a big assistance to me and my family. Employees are very knowledgeable and always genuinely involved in making my experience as good as possible. The policy options are definitely acceptable for me in my situation. I personally recommend anybody to go over the available policies with an expert to help guide you in the right direction. The coverage provided by MetLife has always been exactly what I need from an insurance provider. The options available allow you to cover almost any situation that might come up. The perceived value I've always found to be very beneficial for me in my situation as I look to insure those who are closest to me. Once I found this company I knew it was the best choice for me.

I am satisfied with the level of customer service I receive from MetLife. The representatives are always nice and helpful. I don't mind calling if I have a question. MetLife has a large selection of policies to choose from and I know that I can tailor the policy to fit my personal needs. I am happy with the amount of options I have. No insurance plan seems to have enough coverage for any situation, even long term care. You pay a lot and you don't get a lot of return on your investment when it comes time that you might need to use it. The policy I purchased from MetLife is very expensive for the level of options available. I think that all insurance is too expensive with very little return on your investment even if you have to use it.

I am thrilled because I had a lot of questions when I first signed up and they were wonderful and patient. I never was left feeling like an imposition, but a valued partner. Policy options for me included hospitalization and an in-home nurse should it be needed. I paid a $1000 deductible per calendar year and the rest was covered at 100% which is nothing like what most policies of this nature cover. I would say that my long-term coverage is enough to take care of me when I need it if I am in long term rehab or if I have surgery then I know finances are not something I need to worry about here. The value of reassurance is immeasurable and I would say the price was more than reasonable for the service and security this policy and company provides.

They have me the information I needed, but they didn't sound exactly pleased to be helping me, or doing their job. The tone of the salesperson was dry. He didn't try to set my mind at ease. It was just trying to get me done to move on with life. Of the choices that were presented, I felt very comfortable about what policies I could choose. There was a good balance of service to payment options, and that was all I really needed. I don't really know too much about which policies cover what, but from what it seemed like I think that they provided enough for certain providers to pick up. Based off my income, and the services offered, I felt like what I did earlier which was that the ratio of pay to services was pretty decent; enough to be content about.

MetLife has awesome customer service. Someone is always there for every question you have, and everything is answered concisely. The claims process is quick and thorough. MetLife has been a bit on the expensive side for my family and I, but the help and support you get, the thoroughness of the claims process and the work they do to make sure that you are accounted for, is well worth the money. MetLife's coverage is excellent. You always feel accounted for, you always matter. Claims are thoroughly researched and worked to leave you in the best possible position. MetLife has always been on the expensive side for my tastes, and sometimes they increase the cost, but historically the coverage has been well worth the cost.

They have been very polite and helpful every time I have to speak to someone. The agent that started my policy was very knowledgeable and informative. They have a good range of policies at different prices that are suitable for just about anyone. I have a policy that covers accidents and a cancer plan because it is so prevalent in my family. I am very pleased with the fact that they both cover part of my and my family's cost to travel to a facility. I like the fact that they have different levels of coverage at multiple prices, so that it's affordable to just about anyone. The coverage I have suits my needs well and is a price I can easily afford.

I had some concern about coverage when I contacted your company. Your operator was helpful and informative, had answered all my questions promptly. I would recommend this company. There are an average amount of options and when I called to change my options they were all explained to me but it all seemed very confusing so the customer service rep helped me pick one that would fit me well. I have had very little that I had to come outta pocket for, so very little to complain about. Coverage is extensive and you will have no problems. Coverage is not the cheapest but you get what you pay for. You can choose to pay a low rate and pay more outta pocket but why would you want that.

It was very good. I got all the information that I need. It was in a timely matter. And I recommend them to everyone. I love them a lot. I have had a great time with them. Over the years they've helped me out a lot and explain a lot to me. And if you're not with them. You should join them. And if with you stay with them. Thanks for helping me out. Great job. They really value my option. They help you out with any problem you have them. Thanks again.

Very helpful and always prompt. Speedy service and ongoing communications. Good content available on website portal and direct mail. Enough selection for me to feel comfortable having choices to fit my personal needs. Very informational. I would recommend to family friends and colleagues. There are plenty of explanations in my plan and I feel well-protected and covered. For a minimal fee, the coverage is great and I am getting a great value plus added peace of mind and security in my future.

Every time I call them the representative is always pleasant and easy to talk to. If for some reason I have any issues they are sure to help me work it out. I never get confused because they always are sure to clarify things more than once for me. There are several options to choose from and they help you decide which one is the best choice for you. They also help you to understand what policy is necessary. I like that they work around my budget and not just try to sell me the most expensive. Coverage is great. I have exactly what I need from them as far as coverage. I am not worried about any issues I may have in the future because I know I am covered and my family will be okay. They place high value in my opinion as far as the company goes. They are well known and they make me appreciate them everyday. They are an A list company.

Great. Every time I call I get great service. I love the coverage for me and my family. I feel protected, covered, secure. I do not worry about this company screwing me over. Never have any questions or concerns about the policy options. The policymakers are very clear and concise with what I need and the policy terms. I can always depend on having coverage for everything for me and my family. Anything I have a question, it is very easy, and simply explained to me and I don't feel dumb. The value of this company is very important to me because of the history. It has helped me and my family for generations. Had it not been for my family's recommendations, I would be with this company.

We were treated according to our individual needs and given a plan tailored to our lifestyle. Every part of the process and our plan was clearly explained, and we didn't feel pressured into anything. We had options for our budget, our lifestyle needs, and different flexible payment options. We chose the Whole Life policy so we could continue to add additional money on a tax-favored basis, and so we have cash to use while still living. We have protection for life, a consistent payment plan. I feel as though my partner is given safe and flexible options if I should die, and that to me is invaluable. I feel good with every payment, knowing that we are making a safer future for ourselves.

I have had use insurance yet. I am a new customer when I choose this company because I had a lot of good things. I have not use customer service yet so kind hard to rate them. They had policy that fit my needs for right now. There are several different one to choose from. I choose one that did not cost a lot of money because I like on tight budget every month. My long term coverage will take care of me if I get and cannot work for while. Which l hope to have to use it at all anytime soon. I choose the cheapest plan I could find in case of a medical condition that would leave me work for a while. I know cheap is not always better. But when you like on a budget you the best you can.

MetLife has one of the best customer services because I had a company that was very bad at customer service which is why I moved here and to be honest they have never let me down and they always help me with my need which make me more loyal to them. They give you many varieties to choose from and I think they are the company that has options for everyone. And I'm pretty sure they can help anyone who wants a good plan because they actually care a lot about the customer which is always important.

They are always considerate and help with my questions. They are always there to listen. They don't rush you off etc like others do. I enjoy using customer services and never have problems. The policy options are great as well. There are diff ones: life insurance, car, etc. etc. Their policies are great. They keep your stuff private. You can confide in them, ask questions etc. The long term care insurance coverage is great. You are covered. You can choose what you want to be covered for, when, how long etc. They help you decide what is best for you. The perceived value is great. They offer great prices, packages etc. They are very considerate of what you want. Other prices at other companies can be outrageous but they are great.

Wonderful customer service! Personalized to each family and always a fast response. Great representatives and always have the right answer. Multiple policy options to choose from and can be tailored to each of your needs and/or wants. Love all the different policy options. The long term care insurance is one of the best policies that I have researched. It works best for my family and I. Would definitely recommend others to research with the company. The value is wonderful. I do not feel overcharged, etc. I feel like my policy package and the price I pay is very equal. Very satisfied!

My customer service experience is they are very helpful & willing to help with any questions you may have or any problem. They will help take care of it for you. There is a probate service. Lump sum contributions are permitted at any time as long as they do not exceed Federal Regulatory guidelines. Death benefit amount is the sum of the specified amount & current net cash surrender value as the date of death. Premium received includes the cash accumulation contributions & the cost of Insurance premium. There is administrative Expense charge. The perceived value is $140,000.00 for employee & $30,000 for spouse. There is a term Insurance cost of $786.24 for employee & &107.10 for spouse.

They are relatively helpful. They are not remarkable but compared to the customer service I have had with other companies it is much better. You do a relatively good job. They are many different choices. I do not have a lot of experience with this type of thing. However, you seem to have relatively good number of choices. I got the kind of policy that I was looking for. I feel safe with the coverage that I have. It's not for a lifetime but for the time frame that I need it, it is helpful. With a family to keep safe until they can take care of themselves, this is a good policy. The value is good I would say. If I need to use the insurance, which I hope I will not need to, it will be enough for me to pay my bills. If I don't need it, which I hope is the case, I won't feel bad with the money I spent.

This is an excellent program for life insurance and longterm care. I feel secure and safe with this insurance. I am very satisfied and would recommend this to anyone. Monthly price with coverage up to 1,000,000 dollars and with greater benefit later if I continue. Covered from all accidents, death as well as future disabilities. The coverage continues lifelong and keeps me protected. I have an illness and this keeps me safe. I love it!! The price is reasonable. It may seem like a waste initially but nothing quite covers for the protection it provides in the future. Especially if you have a difficult illness.

Sometimes it's hard to get in touch with them and it takes several days to get a response via email. And their phone service is good, but I spend more time on hold than I would like. I feel that their policy options meet my needs. They know what I need and offer policies that can provide coverage for those things. There could be more policy options, but overall, I'm satisfied with what I have. The coverage is topnotch. The actual coverage is clear and easy to understand and it's easy to apply and make use of. There's no red tape or complicated paperwork just to understand the coverage. I think, in addition to more policy options, there should be some cheaper and lesser options. However, I am very happy with my policy and with the price I pay to maintain it. Totally worth it.

They are always there to answer questions. The web page is also a great resource to use. Good people on other end of phone. Also, the gentleman that assisted me in person was both knowledgeable and helpful. The options are very helpful. You have choices that can cater to your situation. You are not stuck to one choice or option. The options are also clearly listed. The coverage is outstanding. It is more than acceptable and affordable. You will be living comfortably in the end. The coverages are also very easy to understand. The perceived value of the coverage is excellent. Of course you get what you pay for in this situation. You could spend cost on something else but not nearly as helpful for your security.

They have top notch helpers there that know everything about their companies and the policies and are able to answer respectly when I ask them a question. They have a detailed log of policies that are for security purposes and to ensure that the customer doesn't try to cheat the system. They are reliable and want the best outcome. It is for if I ever get in an accident and need immediate help. They have very reliable options that assure I will get the immediate care for when that time comes. It is the top notch brand on the market and has great reviews so there has not been many people complaining about any problems with the service

I've never had a question go unanswered. Whenever I call, Customer service reps do their best to give me the answers I need as quickly as possible. I'm not very familiar with my policy options, but if I had any questions I know that I could reach out to MetLife and they would be answered immediately. MetLife offers comprehensive outstanding long-term care coverage. Everything has been transparent from the beginning, and I have no complaints. The value of having good long-term coverage is something you cannot put a price on. Knowing that I will have help when I need it is extremely important.

I recently had to go to the hospital and was treated extremely well and was taken very well care of. Everything I needed I was provided without any hesitation. Their services provided for me and my medical needs. Every option provided ample services that helped my current situation without causing more distress to my family and friends. The coverages provided left me with no problems to deal with. I was provided the care I needed while I was there and also provided all the necessary needs while recovering at home. Great. They stood behind every word they had said they would. They questioned nothing. Everything was provided for me without a single problem.

Very friendly staff, helpful with questions. Makes you feel valued. Responds in a timely manner, and respectfully. Knowledgeable about their company and services. Resolves any issues you may have in a quick fashion. Great options, many to choose from. Employees can explain each one in detail to you. They tell you what works best for you and why. Customer service breaks down the pricing for you. Great coverage. Very worth the money you put into the service. Covers many aspects and lasts a long term. They mean it when they say long term care. Worth every penny. You end up getting something back for every dollar you pay for the services. Definitely worth the price you pay in the long run of things.

I was a bit happy about the customer service it has with the customers of the company and I am really thankful to the company to be a customer like this. It has it own policies but they said all the policies before applying or insuring from the company. I liked the openess of the company. Coverage is really good and I liked the coverage as it has more coverage than the Medicare of Medicaid of the government. They cover more than the other companies. Value is very good as you pay for the product and I liked how the prices are based for the premiums every month. It is a good value for the price what we pay for.

Customer service were pleasant and knowledgeable. Answers all of my questions about cost and coverage. Easy to reach without a long wait. Gave me and my husband the ability to review our coverage and choose the options that best fit our needs. We looked at plans that covered nursing homes and home health. You need to determine what coverage you want and what price you are comfortable paying. You must know how much your policy is and how much your daily cost will be. I think we have chosen a plan that is good for our long-term care needs that is affordable and offers decent coverage for assistive living or nursing home care.

Sometimes it takes a while to actually get a person that can actually answer the question you are asking. Overall pretty good customer service. I believe they offer quite a few number of policy options to fit your needs. They had one that suited my needs for a reasonable price. So that's why I went with them. I'm pretty satisfied overall. There isn't much I would change at this points except maybe the price. It's reasonable. However I wish it could be a little cheaper. So in the end it is ok for what you get.

The customer service is great. Any time that I have an issue, the person on the phone always is very nice and extremely helpful. I do not shy away from calling and figuring out my issues. I am satisfied with the policy options and to me it is like any other insurance coverage options. I guess I could say change this or that but I'm trying to be realistic and expect what is real. I like the security of having long term care insurance coverage. I feel more secure and like that it covers me for things that may come up and because I am covered I do not have to hesitate and think about costs. I guess the cost of the coverage could be less but then again everything in life would be more ideal if it cost less. I think the prices are reasonable as long as the insurance is useful.

Always friendly. Never had a problem when calling. Generally answers the phone quickly. They always answer my questions. Great service. The coverage seem to cover all of the options that I need. They are very helpful if I have any questions related to my plan. I'm glad I found them. The value of their medical coverage is adequate for the monthly price I'm being charge. I never have had any issues when I've need to use the coverage.

Customer service was okay. It sort of depended on the person you talked to. Sometimes they were very welcoming and joyful and other times they were very rude. I'm happy with the policy options. They were very personal and gave you enough options to pick the right one for yourself and they are great options at that. The coverage is fantastic! They are very flexible and pretty much cover you in any situation. I would recommend it based on coverage to anybody. Overall value I am happy with. I may it may not recommend it to someone overall. There may or may not be better options out there for different individuals.

Bought a premium that was at least one level for 15 years and then discounted 50-60% thereafter. MetLife representative was very helpful. Premium was supposed to increase by 9.5% but I fought that due to the promise of stability. Annual premium is stable for now. The customer service was so-so. I was disappointed to hear that they do place a high emphasis on pre-existing conditions and tend to make things difficult in that vein. The policy offered LTD coverage and their policies are supposed to have safeguards against denial of benefits.

Customer service was a little lacking which I find that it is in most of these kinds of professions. But, overall they had decent customer service but probably not recommendation worthy. Their policy options seemed very restrictive to me personally. In my previous care takers company their policies were much more flexible and better suited my needs. This company does have excellent coverage in the overall view when you take into account all of their competitors. I can't think of any complaints regarding this fine establishment's overall coverage. This company seems to be average when it comes to the value (in consideration of the dollar value) compared to other similar companies. It might be a little better than its competitors as far as value goes but not surprisingly so.

I haven't had any need to use Customer Service yet. I pay my monthly premium every month by automatic withdrawal from my checking account. I really don't know what the policy options are. Maybe, many years ago when I first got the policy I would have read those details but don't know at this time what they are. As I understand it, my policy will cover care I might need down the line for care in a place like a nursing home. I think it will cover my care for as long as I might need it. Even though my monthly premium that I have been paying for quite a few years is almost $120. I think that is about how much a nursing home or place like that charges on a daily basis.

It was fine. Lots of details to process in a short amount of time. Agent was patient. I was pleased I made the selections I made with the assistance. There were a lot of options and choices that had to be made. I could not have done on a website. The new regulations force unneeded changes. The representatives had to spend a fair amount of time explaining the pros and cons of the different options. I rest easier with peace of mind with what feels to me like an affordable option. I am still unclear about some of the differences.

The agent was helpful and took time to explain the benefits of the plan and answer questions that I have. The agent recommended different plans that might interest me and let me decide which option I would like. The provider has different policy options that you can select from depending on your financial situation and what type of policy you are looking for. The long term care insurance plan was affordable and seems to provide the right protection that I need in the future if I needed long term care. The value seems satisfactory and the price that I pay per month is affordable.

We have been faithful METLIFE customers for over 20 years. We have both our home and auto insurance and have paid them a great deal of money in two decades with no claims. My insurance agent was very good. I do not recall ever having an agent be so polite and in depth with helping me make my decision on what coverage I would need. Included in our insurance policy is "MetLife Roadside Assistance". You would assume, this would mean when you're stranded on a roadside, and when you need assistance. MetLife life insurance offers prices that rank close to the middle of the market. Though bargain shoppers can find cheaper policies from other discount insurers.

My experience with customer service has been positive. All my questions were answered and any issues were resolved in a reasonable time. The policy options were clear and easy to understand. They had many and flexible options allowing me to choose one that fit my specific needs. The coverage on my policy was exactly what I wanted. The representative was helpful and explained the coverage to me so that I could choose a policy that had the coverage I wanted. The value of my Long Term Care Insurance is what I was looking for. It was not too expensive and yet not too cheap as to question its quality.

There are some issues with the info that they give me but all in all they are helpful with my questions and really fast in solving my matters. It has a wide coverage of options that I can choose and without paying extra money. I have a friend who has them for a long time and she is really satisfied. Good coverage. Easy to understand. There are no hidden fees if you want to add additional coverage and their prices are very competitive. The value has a little bit difference than others but if you want to have someone that's loyal to you then you should choose them. It is worth the money and time.

Everything about the customer service was very helpful and they made my experience very smooth. All of my questions were answered and my issues were put to rest with knowledge. They have a variety of policy options that I feel like fits just about anybody. I did my research making sure I would pick the best one for me and there were a few that I thought were a really good fit for my situation. The coverage that I have make me feel really secure. Again if I ever need it I feel like I am in the best hands possible. This is something that I hold dear to me and my family. The best thing may be the value. The price is nothing when you factor in your safety and well-being. It is worth every dollar and possibly more. Everyone should have this in place for them and their family.

My wife and I purchased MetLife's LTC insurance in 2005. We selected a premium that was at one level for ten years and then was discounted 50% thereafter. Prior to purchasing, we did a lot of research and were very pleased with the MetLife proposal. We talked to a MetLife representative. We questioned how premiums might changed. We were told they were not guaranteed but MetLife's policy was to file a new program with new rates and only new customers would be impacted by the higher premiums. Thus our premiums should be stable. Fast forward. In 2011, MetLife increased the premiums by about 8.5%. In 2015, MetLife announced a 48% premium increase. And, while it indicates it will not seek another increase for another three years, then what. Will it want another 48% or might it just want to double the premium by then? So much for stability.

On my Met Life policy I have an individual listed to be notified in the event I do not pay my annual premium. This individual was notified 2/5/2016 that my premium was not paid, which was due on 12/27/2015. The payment was made on time by my bank's auto payment. I called Met Life customer service and spoke to a Michelle who was very impolite and could not explain why my son received a notice of lapse of payment on my account. She refused to contact the billing department or IT on my behalf to determine why the lapse of payment notice was sent out.

I received notice that the premium of my account will increase 58% effective next year. I have paid into this acct for approx. 7 year for my wife as they will not insure me because I have a history of cancer. I don't know what my options are. My social security is not going to increase next year to pay for this increase which if I put money away will cost me $216 a month to come up the payment.

My husband was injured at work (coal mines) in 2011. Luckily we opted for the offered LTD coverage through his employer...compliments of MetLife. Well, in the beginning, everything was fine... and acceptable. We handed in all necessary medical info. His condition was "standstill" and he eventually was only being treated for pain management as there weren't any further options at the time. We explained to these people from the beginning that my husband's education, including high school, was less than desirable. They then tried to offer us vocational services, which we were on board for. They were to get him aptitude testing, check into his HS diploma for discrepancies, etc. They did none of these things!

Long story short... After getting my policy reinstated (took months) they want me to pay the back premiums and current due! The scathing reviews about Met, Genworth etc. made us reconsider the value. My husband has a policy as well. We decided since he is more likely to need the extra coverage I won't keep mine. I believe our risk of both of us needing LTC at the same time is less than the cost of continuing the costly premiums. Met did the shuffle with Genworth, I stayed with them. What an industry rip-off! Class action please include me! I have documented everything!

I have read the other reviews, and I cannot agree more. I had no idea that I could make a complaint to the Florida Insurance Commission. My husband and I will certainly begin that paper work. We feel we are behind the eight ball. We have had to tap into savings to pay this year's premiums... a 102% increase... seriously. When my husband was in assisted living for several months, I jumped through every hoop that they required, and then they had the audacity to require us to pay back the amount that we used for that stay.... I thought there was a waiver???

First, the MetLife salesman who sold us our policy years ago passed away a few years back. His wife applied for their LTC aid when he became immobile with cancer. They were both agents with ML. ML tied them up with so much paperwork that they never received any help. A few months ago the same thing happened to a close friend of ours. He died, his wife is still trying to get the ML to respond. Our own policy has been long time running and we turned down this year's increase in fees and they told us that if we don't pay next year's we will be cancelled. They will keep the thousands of dollars we've paid in for years and tell us to get lost. LTC is a fraud in my mind. When we call to ask for a complete copy of the contract we signed years ago (lost in a move) we get a single sheet of paper verifying that we are contracted. Their support is not at all supportive.

Met Life just DOUBLED my premium for long term care insurance. Current "economic conditions" in the health care industry are now really better than in the last decades. This seems to be a totally bogus argument. I don't know what my options are.

My wife has a long term care policy that she has now had to tap into twice. Both experiences were miserable and beyond frustrating to say the least. MetLife sends one form at a time to complete and it takes months to even be able to begin submitting expenses. Same experience as many other writers. Just curious...for others who have had to use benefits, MetLife sends a letter stating that premiums are 'waived' during the time you are benefit eligible. Then, when that period ends, they back-bill you for the months the premiums were waived.....seems unethical to us.

Washington State allowed MetLife to increase LTC premiums in 2015 58%. MetLife is in the business of forecasting future and taking risk. That is why we purchase insurance from an Insurance company.

Constantly raising rates. Company will not release unspent funds in the event customers find a better policy/rate and want to change to a different carrier. They seem to appropriate the assets for their use. Over $20K of my money is parked in their account, would hate to walk off from it. Employees of ML seemed unconcerned. (Did I miss something? I was raised thinking it was against the law to steal someone else's money?) Anyone have any experience or advice?

My mother paid the premiums on this policy for YEARS. She fought cancer for 6 years before requiring full time in-home nursing care. I opened a claim in early August 2014. She died on September 8. From July 26 to September 8, she was receiving full time care at $24/hour because even when hospice started, she required full time care because hospice made "visits" only. The company approved her claim but implemented the 30 day elimination period (but initially said that they would waive it) - I was never given a satisfactory explanation for failure to waive. I mailed all of the paperwork for the claim, then received additional communication that required me to file it AGAIN - with no explanation why I had to duplicate my efforts. Two months after my mother's death, I received a check made out to "Estate of...". As trustee of my family's trust, I have already established an Administrative Trust account because Bank of America locked down my mother's bank accounts. I went to great lengths with them to establish this (another story for another time - BofA employees know NOTHING about trust administration).

My wife and I are approaching our 10th years of being insured by MetLife for long term care. We just received notice that as of May, 2015 our premium will increase by 102%. I have called the company and lodged a complaint with the Illinois Department of Insurance. In both cases, this increase has been defended as necessary because of unexpected increases in the cost of providing long term care. MetLife needed to prove to the Insurance Commission that their reserves were inadequate to cover expected expenses and the green light for this crazy increase was lit.

My wife and I both have LTC with Met life. A couple years back we got a 28% LTC increase in our premiums. Now we are hit with a 50% increase. Hard to believe that they would be allowed such an increase. I would not recommend any type of insurance from Met Life.

My father age 91 was in nursing home for 1 month and died. He had Metlife LTC since his late 50s. This has been a circle of blunders and phone calls to Metlife to let them know he died and send papers from nursing home. Every time we call, a different person answers and mostly doesn't know anything. Nursing home says they faxed papers 5 times. One person at Metlife says it's there and now another says it isn't. Now the story is the wrong policy number was on.

I have received a letter from Metlife dated 9/10/2014 stating a 102% premium increase on my LTC policy. Options significantly reduce coverage -- with a 60-80% increase. Coverage change forms are required by 10/10/2014. No reasons for the increase were given. I called Metlife on 9/15 and spoke with agent Rhonda who informed me the company had applied to IDOI for a 58% increase and had been cleared for a 102%; NOT true per Metlife's 8/2014 documented applications.

In 2013 I got infected with Salmonella Bacteria and had been hospitalized for quite sometimes and needed my long term care to help and had my long term care insurance with MetLife Insurance Company. Currently I'm struggling to get my expense from MetLife Insurance company and they keep ignoring me.

My 93-year old mother making premium payments district from her bank account for 37 years missed the three year account upgrade and continued her payment by direct bank payment. Now at 95, she needs full time care and Met-Life has run us through the "Claim Mill" as described in so many complaints. The Long Term Care Policy won't pay for 1/10 of her needs and I am not willing to bet that she will live long enough to get one single penny from Met-life. The Met-life insurance company and all its money has won. I hope to live long enough to see Met-life in chapter 11 and the doors closed as all those unsuspecting good premium paying customers fade away as my mother just did.

I am helping an elderly family friend with a LTC claim. I was told the waiting period had been met on a particular date. Since I thought it sounded too soon, I called back the same day and spoke with another representative. I told her my concern, but she confirmed that was the date was correct. The next month more services were used and billed to MetLife. Well, the MetLife representatives were wrong. A month later, when claims were rejected, I found out I had been right to doubt the date. I have spent more than 2 months speaking with supervisors waiting for them to stand behind what their employees tell their insureds. I was told they had listened to the taped phone calls and they confirmed I was given incorrect information.

I, too, never received notification of my policy being canceled at MetLife after six years of making prompt payments. My financial advisers at Hantz Financial Company in MI who enrolled me in long term care insurance also never received any notices. Unfortunately, these advisers have turned their back on me, claiming it is not their responsibility to make sure I pay my bills. I am 73 yrs old, and never in all my years have I ever neglected paying a bill. I do not want to be re-instated. I want some type of refund. I do not feel that MetLife is an honest company that would pay for my care.

What good is insurance if it does not pay what you need in a timely manner? For 6 months I have been trying to get my father’s claim approved, the last four months calling every few days and faxing yet another form to them. They have lost documents. They stopped processing the claim and did not tell me what they need till I contact them. Metlife does not ask for everything at once but each form one at a time is sent to me. I send it back, wait, and then another document is requested.

I contacted MetLife Long Term Care today to inquire about cancelling my policy with them. I spoke to Heather and was told that the policy has no cash value and the premium would be lost. I have paid quite a bit of money for coverage for me and my husband and we can't get a refund for our money that we paid in? Is this legal? Where does the money go? Into some reserve in case I need it? Well, I need it now and I do not believe that they have the right to hold anyone's money hostage, if a person wants to cancel with MetLife.

It’s been 2 years trying to get mortgage modification with MetLife They don’t listen, they don’t help, and they don’t care. It is very hard to communicate.

My Mom lives in an assisted living facility and has been receiving MetLife long term care reimbursement for a couple of years. The money has helped to pay a portion of the monthly rent at her facility and the family appreciates the assistance. However, it was not that easy to begin receiving the benefits, it appeared to be unnecessarily difficult and time consuming and MetLife makes receiving the monthly reimbursement too difficult to receive as well. MetLife changes the fax # to receive the invoices and does not notify anyone and they do not offer direct deposit. When I call customer service, they appear to just want the customer to go away as opposed to truly helping resolve issues. I will not do any further business with MetLife for any of our family’s needs in the future.

Important: something you may not know that can help you against these lying crooks.

I was one of the only 193 people worldwide who were informed about Met deciding they need a 45 percent across the board increase for former and current BAE employees. I have faithfully met my premiums since this program was offered in1999. And every three years, when offered, I accepted the cost of living increase. This alone should reflect Met has adjusted for inflationary costs.

Dec 12, 2011 Metlife has sent out a letter stating a 45% rate increase has been requested from State Commissioners of Insurance. This company has made promises and does not intend to keep those promises based upon their poor investments, lack of actuary talent and total deceit of LTC policy holders.

I need to know which corporations are rebidding their contracts over the next ten years and when, so that I can personally correspond with them on what is best for their employees. Any help on who and when will be appreciated:

On November 5, 2010, I was airlifted from Sarah Bush Hospital in Mattoon to Carle in Champaign with a heart attack. My care while at Carle was exceptional. On Monday, November 8, 2010, I contacted MetLife regarding being off work. Originally, I was scheduled for bariatric surgery on 12/2/10, but I explained to them I had a heart attack, and plans had changed. I was now currently off work and would not be having the bariatric surgery. On November 22nd I called MetLife to find out they had notes that I called but "didn't get processed correctly". A week later, I spoke with MetLife and they were still requesting information for the bariatric. They had me still at work, and listed as a full time student. I am not a full time student.

I would like someone in the corporate division of MetLife to respond to the issues described below. Can I please have your corporate office contact information? My contact information is **.

So I asked for a quote. The next thing I have is a policy that is higher than State Farm and they are going to deduct through my payroll without my signing anything. Bad business. I had to fax and sign a cancellation to get this stopped. Whatever happened to your authorization on a paper? I guess they think that's okay.

I work for Bank of America, and had not been feeling well, so my manager suggested I apply for FMLA, I was denied because I had worked only part-time the year before. Then I got a letter that I had been approved for short-term disability which I have to say, Bank of America pays at $80 and they're really good about that, then I rolled over to LTD with Metlife.

These people drag out your checks when they find out you might be going on their long-term that you paid for. Th doctor information is never enough and they request more saying their doctors (panel of doctors) need more information. I want to know who these doctors are and there better be doctors! I requested the names of these doctors but did not get an answer. We are now going on long-term with Metlife and I'm scared to death how we will be treated or if ever get our money on time. The stress of not getting paid is not good for our mental being. Shame, Shame on Metlife

We use MetLife for FMLA/intermittent FMLA. I have been dealing with this company now for two years, and every time I try to get my intermittent FMLA set up for the year, the care manager decides that the papers are not filled out to their satisfaction. I filled out my papers this year the same as last year. Last year, it took multiple attempts to get my papers filled out how they want it.

I moved and canceled my policy starting from May 6, 2009. I asked to send me refund for June (which I paid by mistake). They told me it will take 7 business days to process the refund. Today is August 1, 2009 and I still did not receive a refund check for $175. I call them every other week. They promise to send the refund next week, then again next week and so on. I tried to reach a supervisor and they put me on hold. Finally, he screamed on me not to call anymore! I sent a complain to the manager on the address from the company's website and nobody answers. I called again, they promised me to investigate and call back, nobody called. I called them again, they promised again to investigate and send me an email the same day, no email. I sent a complaint on their website, no answer. And my refund is only $175.

I have dental through MetLife and my daughter needed braces. Before ever making an appointment with the orthodontist, my husband called to see if it was covered. The MetLife employee said, "Yes, she was covered for braces," so we made the appointment. The doctor called MetLife also. The braces have been in my daughter's mouth for over 2 weeks when I got a letter stating that she was not covered. The claim was denied!

My mother has an active, current, long term care policy with METLIFE. She has been living in a senior living community for 11 months(independent living and now in assisted living) and has not received a single dollar in assistance. METLIFE continues to deduct the monthly premium from her checking account, however when we ask when she will actually begin receiving any benefits it is always "you need to fill out another form" "we need you to do this or that" anything but pay a claim! My mother is having to pay $3,000 a month for a quality, senior living assisted living community.

My wife was diagnosed with Parkinsons disease. She purchased extra insurance as a just incase we ever need it, above and beyond the provided disability. Met Life gladly took took the premium each month. Social security declared her disabled on March 1st,2003 and made it retro to August 1,2002 as that is when her neurologist filed the necessary paper work. She was released from Sanmina Corp., due to her disability, August 18 , 2003.

I applied for my benefits when my company had their enrollment period, back in September 2007. I send my Statement of Health form in and it was signed by me on 9/16/07. I later called MetLife to check on my coverage and they said I was being denied due to a pre-existing condition, pregnancy and that I supposedly send them a letter saying I was pregnant that was signed on 9/16/07. I informed them I didn't conceive until 10/11/07. They then told me to fax in a letter from my doctor stating my conception date with an appeal.

have been on long term disability for the past 12 years due to back problems. This Jan my long term disability changed from Liberty to MetLife as I think Met life bought them out. The first correspondence I got from Metlife was in Feb and they wanted a Attending Physician statement. So I got my PHY to fill it out and sent it in.

My 21 year old son suffocated during a seizure on 11-8-2007. He was 21 years old, very active and healthy. He had only had a few seizures and only then while sleeping. The only thing to do was help to make sure he didn't hurt himself until the seizure has passed. This time no one was there and he got stuck half on and half off the bed, face down and suffocated. I found him and gave CPR till help came but it was too late. The death certificate stated accidental due to suffocation but MetLife refused to pay the claim with no explanation. I have paid for insurance for 26 years with the same company and the first time we need it, this happens. I am really disappointed with Metlife and want others living with epilepsy to be aware of this company's policy.

My mothers Long Term Care Policy lapsed & we have no record of ever receiving the notices stating her policy was in Jeopardy. MetLife is claiming they sent them. My mother will soon need Long Term Care & she was a faithful customer for 6 years, never late on her premium payment. We have asked MetLife to look into re-instating her policy to no avail. I truly believe the notices were never sent,no-one tried to get a hold of my mother either to let her know her policy was in jeopardy. We would like to know if there is any way of getting her policy re-instated. Being a faithful custoemr for 6 years my mother should of gotten a phone call from MetLife.

I am have been having a great deal of difficulty in obtaining long term care insurance from this company. They discriminate against the developmentally disabled. Where do I go other than the State Insurance Board to file a complaint of discrimination?