MetLife
Reviews and Complaints

MetLife is really bad. My daughter had braces when I changed employers, so I continued coverage under COBRA. MetLife keeps paying claims at a rate lower than the policy. Your state insurance regulator (Texas Department of Insurance for me) is your friend. Two claims corrected after complaints to Texas Depart of Insurance. MetLife's second response to TDI included better/changed training for customer service reps. So customer service reps no longer argue, but service is still really bad - difficult to get claims corrected and timelines not met.

I have a choice of insurers at my current employer, including MetLife and Aetna (administrator for previous employer). Guess what? I chose a different insurer.

Sir
May father had made inshorance n 1998 he just paid one inshorance and last month he passed away and by chance i saw that documents i want to know that any claim could be possible
Us17328@gmail.com
[protected]

i m not satisfied with ur working as no answer is received from u.

I sent money to MetLife last year for a one year CD. Its maturity date was December 24, 2009. The money was sent by me, from my bank account via ACH. It was a VERY large amount of money.

I called MetLife, as requested by them, on December 22, 2009, to ensure that my maturing CD funds would, indeed, be sent to my bank account upon maturity. I was told I would get the funds December 28.

Come December 30, still no money. I called to find out what was going on. I was told that they had "not processed my request" and that I MAY get my money January 4. I said that was not acceptable and I wanted my money the next day, December 30. The service rep said she would call me back to the next day to let me know what was being done. No call.

I called again today, December 31. Guess what...still not processed! I was also told the will not be paying me any penalty or interest, even if takes until January 4 or later to "process." Do you think this is ethical or moral? Would Metlife allow you not to pay your mortgage or Credit Card on time without penalty, interest, or both? This is disgraceful and dishonest.

By the way, these are all conversations recorded by MetLife. And, they admitted, twice, it was their "failure to process." Maybe by failing to process they get to use my money for free?

Please do use this bank. We need to teach bank such as this a lesson.

Metlife Bank never funded my $125, 000.00 jumbo CD account, costing me a great deal in lost interest, time, and stop payment fees.

Man, do I regret opening a CD with these "people." First they did a transfer then sent me a letter telling them to send a check. They didn't check to see (or notify me) that they'd already made the transfer, so I ended up with an overdraft from my other bank. (Fortunately, the other bank was understanding and refunded the overdraft fee). But EVERY "person" I've spoken to from Met Life has had a could care less attitude. Really nasty attitudes and not customer friendly at all. Now, my money is stuck there for a year. Can't wait to get it out of there. I don't trust these people at all!

I received my LTD through my Company E.W. Scripps via Aetna back in 2002 .. I then received my SSD and they paid back Aetna as was laid out what they paid above they were to pay and Approved my LTD through age 65 .. At one point I was switched to Metlife as the company changed plans ..

As time passed they stopped requesting any Forms from me as Multiple Sclerosis was not an issue of "getting better" but one of Progression .. This year I moved, I contacted them to Change of Address .. Now I am being "harassed" to update my Income AND have a Doctor fill out a form and sign this form they are calling a "HIPPA" Act ..

I find this irritating as they have since "Outsourced" this Department and they do not answer the phone, return your calls, and do not understand what you are saying .. For me having Cognitive Issues it is frustrating ..

It is amazing how Metlife if able to get away with this type of criminal action. The Department of Justice should certainly look into their business procedures! I am disabled and Metlife should have paid disability benefits to me until age 65. Of course they did everything in their power to deny me and now I am living on 1/4 of what I was entitled to. Your stories should exactly like mine.

I received long term disability from Metlife for 2 years through Bank of America. They wanted me to use their lawyer to file for my my SSD. When SS denied me the first time, Metlife found a doctor to lie for them and they discontinued my long term disability leaving me with no money or health insurance and no medications for my illnesses. I had no income for 2 years and I finally got my SSD. Metlife is suppose to pay me the difference minus my SSD. I tried to get a lawyer to help me get me long term disability back and sign pa pers saying that he would and later told me right before my SSD that I should be glad that I got two years. I lost my excellnet credit rating because I could no longer pay my credit cards which I used to pay for rent and food. My daughter who was in college at that time took over my car payments and paid the difference for rent and food from her scholarships and college loans. Only through God's blessings that we made it through. Bank of America knew what was going on and they garnished my SSD to pay their credit card bill. I close my account with them and it has been over 7 years and their debt collectors want me in court on 6/14/13 to prove my income after they knowingly stole my SSD.And the lawyer I hired stole my money and never filed bankruptcy for me. Metlife and Bank of America have no integrity and they stole my benefits knowing how hard it is for the little person to get help. But they will have to answer to a higher power for their wrong doing. I will have all of my documents for court to show what they are doing.

I am on Met-Life long term disability, everything started out good, I got my long term approved by Met-Life until 2024 and filed and received my Social Security right away, then they needed an update by my doctor and received it now 3 months later they need it again, how often do they need this. I get a little nervous about Met-Life and now wonder why my Employer dropped them after all these years and went with another company? I have read that their definition of disability is different then Social Security's definition of disability.I am 100% disabled, by S.S terms. I hate living with this issue, their commericals want you to feel protected by purchasing their insurance, I would read the fine print with this company.

I agree with both of you. Please go to:
http://www.disabilitylawblog.com/articles/disability-insurance-cases-nat/metlife-1/

Metllife pulled the same thing with me...by age 51 I hadpaid on a disability policy for almost 15 years at work. When i became disabled due to a spinal disease and several surgeries which left me unable to work. they initially paid the monthly amount .but as soon as i was declared 100% disabled by social security they stopped the payment option that would have supplemented my monthly disability check that was supposed to guaranteed i had an income of $1500 per month. ( about $200 per month)
During the first couple of years i Lost my Home, my automobile, my partner of 31 years committed suicide . MetLife insisted I come to a 2 day evaluation 75 miles from where i am living a week after undergoing an emergency surgery from my gall bladder rupturing. I was very ill and had no transportation or money to hire someone to take me. Trying to explain to them by phone, email, regular mail was to no avail and i had a total mental breakdown just trying to lead a daily life.
A year later after finally getting my act together i began the process of trying to fight the beurocracy again I became so stressed out i had 2 heart attacks, and the loss of one kidney to cancer. I estimate that they should have paid me almost $17, 000 over the last 7 years. I cant get an attorney to take my case pro-bono or contingent. According to them Metlife has the deep pockets and power to wait everyone out and there was almost zero chance of ever winning a judgment against them.That amount of money may sound small to some people but apparently i fall between the cracks when it comes to getting any assistance because my monthly income is about $70 too much to get food stamps. The cost of lliving keeps going up and i become more disabled every year. This year i could not even afford the insurance on my trailer home living in Florida that alone is stressful..One good hurricane and you are homeless
So my recommendation is dont waste your money with a disability policy with this company .The security you will feel over the years is a joke. I didn't plan to spend the last years of my life in poverty but Metlife helped put me here

Danny Wilkinson
1000 Walker St. Lot 268
Holly Hill, Fl
32117

Even I am planning to move court. They are the biggest thieves possible

Met life REAL Fax # is [protected] call it as much as you want.It works.Tho it can be changed.
You can record your conversaion by using " this is recorded for quality controll" call all day long if that what it takes. If you find that they are always confused, there is a LAW called DISPAIRITY TOWARD OTHERS...it's against the LAW to be as leagaly confused as you want to be.
Asked the computor voiced operator ...CUSTOMER SERVICE... you will get a HUMAN . Ask then for a CASE MANEGER. If your case manager gets you no where ? ASK FOR THEIR SUPERVISOR !
Your time will be better used . Sorry to say but if everyone does this, it will clog them up...so keep trying. Call your ATTORNEY GENERAL . He will send proper paper work. If every one does this and their results are too poor HE will then start a class action. Action !

I have metlife insurance and have not been able to get them to pay for my short or long term disability. I fractured my hip and dislocated it. They took my premiums and have not paid me a cent. I paid to have the forms filled out by doctors and paid for medical records to be sent to them. This happened in Oct 2010. Since I have put so much stress on my other hip I have torn the labrum and looking at that surgery. Their doctors say I should all ready be back at work even though I had three hip surgeries on the same hip within one year and my other hip is messed up..What is wrong with this picture?

I totally agree, they brought in the CAT team with Mike Tori - there standard line is - your damage is from a prior storm or event. They will only agree to the least costly thing damaged and say the rest is from a prior event outside your coverage period. They will even bring in experts (paid engineers etc) to agree with them. Watch for this guy & this company.

Yes, I recently had a fire in my kitchen and they only wanted to pay for the damaged cabinets, so it meant that I would get non matching cabinets per Tim Berglund.

Yep they are a bunch of incompetent idiots. I have problems like that. I get out of network services preapproved. The dentist submits the pretreatment estimate and gets it denied. I call them and they say oh that should have been approved. This goes on and on for months. What a bunch of babbling fools.

That is part of the outsourcing they have done. Most of Metlife Dental is outsourced, they are clueless. They are paid about $1.80 per hr and most don't even understand basic English. Stay away from anything Metlife.

I agree with you with the flooding of your home. We too have Metlife and we have the premium taken from escrow. Unfortuantely we have only been in our home 15 months. We recently came home with our four children, walked in the house and the kids smelled something funny. I told them to go brush their teeth and I would open some windows, upon doing this I turned on the ceiling fan. Next thing we know the house was filling up with black smoke and we evacuated... Like 3 minutes later the house litterally blew up. Windows blew off doors ect... Metlife is refusing to give us any answers because we had a home fire 7 years ago that was electrical...And a closed case from Cause & origin Firm... They said we need to be questioned further... We lost everything we own, 4 toddlers and we have nothing... In my opinion I think Metlife is useless... and I will tell everyone we know not to use this company!

typical MetLife

I too have been a faithful MetLife Homeowners policy holder for approx. 15 years. Their premium is paid through my escrow account and never has been a day late to my knowledge. My mortgage is through Wells Fargo which was recently purchased by JP Morgan/Chase. At the end of June 2010 I called MetLife to tell them I had water damage in my finished basement. Over the phone, the agent asked if I had a sump pump. I said no and she said the water was from rain seepage. I explained I had a $5000 flood control system installed on the property when I purchased the house and the flood control was still under warranty. I live in a suburb of Chicago. The phone claims adjuster would not budge and after 30 minutes I knew I was talking to a deaf ear. The water damage became worse. I called MetLife and told them I have water damage and I want an adjuster to come out and tell me what will be replaced. MetLife said everyone in your neighborhood has rain seepage and that is what you have. After 3 weeks of increasingly worse damage I hired a contractor who opened the wall and found the main water line to the house was leaking. I had him break through my foundation floor and 7 feet down he found the leak. I called MetLife and told them I have a pacemaker and defibulator and they had just put me through 3 weeks of extreme abuse and MetLife was not responsive in any way to my requests for an adjuster to come and look at the problem. MetLife insisted it was rain seepage, which I never had in 15 years. When they realized that they had caused thousands of dollars of damage because of their shoddy claim service and their practice of diagnosing the problem over the phone. When I told MetLife about my health problems and the huge amount of black mold growing up my walls they decided they could have an adjuster come out the next day. I had a contractor here when the independant adjuster, not a MetLife adjuster, showed up. For some reason they exchanged cards and I asked the adjuster to send me the claim quote. I wait a week and after not hearing from MetLife I called the independant claims adjuster MetLife sent and he said he was waiting for my contractors figures!. Why? It will cost what it costs. I want nothing other than my home to be made whole again. That is the purpose and legal obligation of all property insurance companies. This started on June 26. Yesterday MetLife called my home phone after I asked them to call my cell phone because I would get the call 24/7, MetLife left a message saying they would send a check. Since the independant claims adjuster was here another wall was opened and mold has traveled the whole length of the wall. MetLife does not care about me or my property and did everything they could not to accept responsibility for the damage. If you are considering buying homeowners insurance I strongly recommend you do not buy MetLife. MetLife wants to change the original claim number and close the claim with a check they say they are mailing me. This claim stays open until all mold, carpet damage, drywall damage, furniture damage, health damage is paid in full. MetLife provided the worst service I have ever seen from an insurer. By the way, I sold insurance for 20 years. I have moved all my customers from MetLife to what I consider insurance companies that are responsive to their policyholder's needs. MetLife also has some unusual practices when it comes to paying veteran death claims according to the news.

MetLife biased independent dental consultants are experts in finding less expensive procedures to justify denial of covered benefits recommended by our dentist. covered benefits such as implants or bridge will never be covered because independent medical examiners will only approve a lesser expensive procedure such as a partial not taking into consideration other medical conditions that are detrimental to your health this independent dental consultants should be sued, they must be well compensated for their biased denials. We appealed twice, without any success in the mean time I'm missing three molars limiting my ability to chew. I will have to wait until January to change insurance coverage. in the mean time I'm actively looking for lawyer willing to take on MetLife

Metlife has taken our money too. I call a year ago and they said they would cover half of othro, I asked several times and they said yes. Recently I got a bill from my dentist for $700 + dollars because Metlife has not covered their full share. When I called, they said that the previous person gave me inaccurate information and I was still responsible, regardless of what she said. When I talked to a supervisor, he was an idiot and said I should not be upset that I had to pay extra, happens to him all of the time and he is fine with it. Said he wishes he had a magic button to fix it for me, said it twice. Condescending ###. I am out more then $700 dollars and was not able to increase Flex Spend to cover it. Glad to hear someone say that this is subcontractor, will contact Met Life directly.

If you have been screwed by MetLife Dental then please visit Change.org and sign our petition against MetLife Dental. Thanks.

so happy to find this, as I WAS interested in signing up for this insurance.

I will certainly forego that now.

thanks. :)

Thats exactly what I experiencing.The Metlife promised to cover orthodontic procedure then when the time comes for the appointment, they deny the coverage. Speak to them on the phone makes no sense they just keeping saying no and there is no guarantee on anything but taking our money.What a disgrace.
This is a case for a class action

I needed a partial plate because a tooth was removed from my bridge and the tooth the bridge would have connected to was unstable. MetLife denied my claim due to the "missing tooth clause." My partial cost $1, 500. Thank goodness my husband's insurance "Always" picked up $1, 000. I had my dentist office send MetLife a narrative and xrays. They are still denying coverage. So I am going to appeal. They are [censor]. Don't get insurance from them.

I agree! Metlife has the worst customer service. They will hang up on you, catch an attitude, and provide incorrect information. The best thing to do is opt out of Dental insurance if Metlife is your only option. Paying out of pocket is cheaper than paying monthly for Dental coverage that does not cover most of your dental works anyways.

Metlife Dental is outsourced so that is how they can get away with saying this. They hired an independent contractor to cover their services so Metlife basically walked away from you the customer (except your money). They can cast the blame for incorrect information and they know most people do not have the resources to fight them off. The best thing to do is to keep on complaining about it and get names and numbers. We must make Metlife be responsible for their lack of customer care.

Just to clarify (I made a comment above). I agree with you! I guess I checked the wrong box when I made the comment.

Wow...thank you for sharing your complaint. I need to get braces myself and I have Metlife dental insurance...I better check what they cover before my appointment..I thought I was going to be fully covered - guess not, huh?! I certainly can't afford $2000 for my braces ...we already pay too much in taxes and everything else...thanks again for the heads up! Much appreciated!

metlife is a piece of crap. We are 2014 and I have been fighting with them since October 2013 to get a 3 crowns and 3 bridges done. We were finally able to get them pay 50 percent for 2 crowns and bridges. They bring excuses of the world to deny you and delay so that you give up and YES ...you will eventually give up because you want to fix the problem. So, having an insurance like this is worth NOTHING. I got this insurance through my work and will never ever take it again. Rather pay from my pocket than think that insurance will!

I agree. I have also had sevarl different dental plans through the course of my employment (26 years) and Metlife is the worst one I've ever had.

To top everything off, they only alow $1, 500.00 per person maxmimum. Yeah, that might have been okay in the 70s, but now? Forget it. That's maybe three amalgams or ONE big job (like a crown or root canal).

So, if you need any significant work done to your teeth, you are able to get maybe one procedure and either hope you have a gigantic bank account, or do a little bit every year and always be in debt.

Sadly, in the rural area I live in, Metlife is the ONLY option.

Problems with met life from life insursnce to dental insurance. I don't trust Met Life.

This is the worst scam oriented company. I need to replace a fixed bridge and continually deny the claim opting for an unacceptable replacement using a removable partial which does not work for me. I am going to one of their approved dentists who also agrees that they are skimping and treating me unfairly. I will probably end up in small claims court to retrieve the aprox. $350 difference. I would not trust this company under any circumstances due to the way they are trying to cheat me out of my insurance benefits.

My heart goes out to all the people who have had the same unfortunate experience that I have had. This is my 3rd week waiting on MetLife, after they got money out of my check biweekly. I do not have any civil words at this point, and benevolent patience and understanding are almost beyond me now. I have furnished them with information that they required, trusted them sight unseen. What if we stop putting $ in their pockets? I hope some governmental agency investigates them.

This seems to be an ongoing issue. What ever happened to the voice of "the people". Big companies believe they can get away with this immoral behavior, because we don't stick together and fight. It is a conflict of interest for insurance companies to have "payroll" clinicians deciding claims. Of course, it's going to be denied! You also, have "reps" who receive bonuses, etc., for denying claims. Most of the "reps" are attorneys who are used to lying & thieving for living. I have no respect for that profession. You know ...as the good book says "you reap what you sow". However, I do pray for the day the peoples' voice will be heard and more weighty regulations will be put in place. Greed is a sickness.

I signed a agreement giving my medical provider permission to release any and all information to MetLife disability, somebody is dropping the ball and I strongly suspect MetLife-MetLife discontinued my benefits even when they had knowledge I did not have any further information until my next doctor's appointment, which will not be until May24th 2011.

My claim was first approved for Short Term, I went back out of work a week later and Metlife deined it. They kept saying they did not receive paper work, its under review, or they received it but need more information. Every time I called I would get a different answer. Not to mention the case managers are very rude. I still am fighting for my short term and continue to get the run around from Metlife.

I aplied for short term and i got a call from my case manager and she said the check will be in the mail tomarrow. but the next morning i got another call from a diffrent case manager saying my doctor files were not clear and i am denied. but not even 24 hours earlier the said there sending me the check. Really dont know what to do at this point.

I to was given the we will review speech . I was taken from my job in an ambulance; and admitted to the hospital the same day and I still have not recieved any compesation since 5/29 and it is no w 7/20.Bills do not go under review and neither does a persons life. I pay the cost for these benifits every pay period when I was working ; and now when i need them I cant recieve what I am entitled too.I am about to loose everything I've been working for all these years for a vaction that I did not request I dont want them to give me anything I just want what I have been paying for insurance.

As a consumer, you have a free look period that is disclosed to you on the first page fo the policy. The policyowner has a right to cancel the policy for any reason usually within 10 days of policy delivery.

If you in fact cancelled the policy within that period of time, you are entitled to a full premium refund. Otherwise, I woud suggest filing a formal complaint with the State Department of Insurance and stop paying the policy.

I have been given the runaround regarding a request involving a life insurance policy I have had with MetLife for over 20 years. Despite my persistent phone calls and inquiries, all I get from the Sandy, Utah MetLife office are lies and also abrasive rudeness from a little weasel claiming to be their office manager. Had I known 20 years ago what I now know about MetLife, I would have never purchased life insurance from them! In the meantime, I will cancel the LongTerm Policy I have had for years with them - you know, the one they claimed they would never raise the rates on without my permission - yet now are raising the rates without my permission. Their behavior is abysmal!

My Mother is 90 years old To date I have made over 17 calls last month, ( and 9 calls to date this month) to Met Life and ARRP combined and my Mother still does not have any assistance, claims, adjusters, managers, R.N's.
I am truly beginning to think this is all a scam, and will cancel my own long term policy. Nothing is worth this much trouble, but I feel so bad that my Mother is in terrible health, she can barely get out of bed and these people have been terrible to work with. She has paid on this policy since 1991 and "trusted the system."
If I treated my clients like I have been treated at Met Life i would not have a job.
It is disgraceful to treat people in this manner.
I have a full time job and family and this has become a full time job for me as well. I have now turned this information over to the Insurance Commissioner and my next step is an attorney. I hope you all have better luck.

I TOTALLY AGREE WITH YOU...Metlife is only good for collecting your Premiums, then you get hurt or sick and they treat you like [censored]...I had a Head Trauma that has affected me in MANY ways, both physically and mentally. Instead of them looking at the "Whole Picture" of my medical problems, they just focused on the ones that were "Limited Disabilty" under my plan and STOPPED my payments. I am in an Appeal Process as we speak, and will involve my Attorney if needed. I feel like they do NOTHING but Harrass me all the time, wanting updated information. ALL my doctor's have provided them with info. stating that I am considered "Permanent Disabled" but they continue to ask for updated info. as to when my Doctor's can expect me to go back to work...What Employer will possibly hire me, considering I can only work a Max of 2 hours? I advise EVERYONE to DECLINE their Coverage...Invest in a Comapny you can "Trust" to take care of you when you are in need of them.

I am in a similar situation with Metlife right now. I got hurt at work and the doctor had me stay home until I started physical therapy. I sprained and may have broken my ankle. Metlife won't pay me because "All I do is sit at a desk" at work. Well, the DOCTOR put me out of work. It is my belief that he went to school for MANY years to be a doctor. He has since returned me back to work with restrictions, i.e. leg raised to at least waist level and ice on my ankle for 15 minutes of every hour. My job will not accomodate me raising my leg and it takes about 20 minutes to get the ice as I am crutches and wearing a boot. I can not drive as it is my right ankle, so i am forced to take the bus. With no money because of no paycheck while I was off. To make it worse, I have 2 kids and a storage unit. I am going to lose everything we own in this world because I can not pay the storage. My dad has been helping me pay the hotel so we are not completely homeless, and I have been forced to get on food stamps. I feel like the worst parent in the world, because I got hurt and my kids have to go through this.
I call Metlife on a daily basis and they can not seem to get it through their heads. Who does Metlife think they are questioning a DOCTOR? Are you really that presumptuos to think you know more than he does? If that's the case, the next time I am hurt I will just go to the local Metlife office and skip the doctor.