They don't handle questions very well. I don't mind calling if I have a question. They will take time to explain each and match what policy is right for you. My money is always spent wisely with the policies and I never have to pay extra for coverage that I don't need. A few months ago the same thing happened to a close friend of ours. However I wish it could be a little cheaper. 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. I recommend them to anyone who is in need of their services. 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. The values of this aren't so bad that you can't afford other things. You have to choose the one that will ultimately be best for you and your family. The customer service was so-so. They are always considerate and they help with my questions. I currently have no complaints. My husband is a laborer. Metlife approved me for unpaid medical leave with no problems, but my STD claim was denied because the medical records were never received even though my doctor did send them. Overall coverage is standard, but not superb. Each agency awarded MetLife their highest rating available, and all ratings are currently reported as stable with no foreseeable downgrades. Its location on this page may change next time you visit. I never got an explanation why, and I used a significant portion of my retirement funds keeping my house out of foreclosure. I've been a client with them for over 10 years and am not, in the slightest, thinking about leaving. The policy options for MetLife were great. I think MetLife is as shady as any other company so I was not surprised. Nothing you send in gets confirmed for receipt. I'm so glad I have this insurance. So in the end it is ok for what you get. Lots of policy options to choose from. It wasn't very standout though so don't expect too much. I am happy with the care I'm receiving. I submitted all charges incurred while in the nursing home. If you cancel your policy, you can not cash out, and even though you no longer have a "coverage," to utilize the money you've paid in, you must have a legitimate claim. I was told I do not qualify for benefits "according to page 10 on my policy". Also, the gentleman that assisted me in person was both knowledgeable and helpful. It's no wonder seniors are just giving up. Even though you are no longer covered, and all you are doing is draw from your OWN fund, they will string you along as long as possible. We, the Baby Boomers, are aging and the probability of our needing this LTC is increasing. They offer many options such as auto insurance, life insurance, etc. I am currently happy with it. I am so disgusted by MetLife's treatment of my mom. Asked for the new rules in writing and was told that they could not send them. They are an ABSOLUTE mess! I went to great lengths with them to establish this (another story for another time - BofA employees know NOTHING about trust administration). No paid reviews. The agent that started my policy was very knowledgeable and informative. Unsubscribe easily. Once it is all in place the company that handles the timesheets and approvals is very easy to deal with. My wife has terminal cancer, needs constant care, will be in hospice in near future. Living out of state, we needed to transport my mother by ambulance. This is absolutely criminal to make promises, collect premiums and not fullfill those contractual arrangements regardless of their inability to manage investmnets, predict claims or low lapse rates. It has been a horrible experience. It's bad enough to try to take care of a loved one's needs but to fight with OUR OWN INSURANCE company is just terrible. It took them more than 2 months to tell me this. If you can find it, see ADF#908.02 (NY). Believe! They will NOT let you speak to a supervisor or their legal department. I have been with my employer 7 years and they switched insurance providers 2 years ago. Here are some alarming facts everyone should be aware of: You have 120 days from their rate increase to cancel the policy. Then the policy holder of these policies, being his now former employer, decided to sell off the branch of the company where he was employed and lo and behold...just as I called it...3 to 4 months later, he received a termination of benefits letter. It's very reasonable option considering it's for the long run in your care. The representative was helpful and explained the coverage to me so that I could choose a policy that had the coverage I wanted. It was quick and efficient, no grieving, waiting to pay bills after he passed away. ... (Long Term Care Policies) +1 800 638 7283 (Total Control Account) +1 800 638 2704 (Structured Settlements) 200 Park Ave ... [MLIC] — metlife long term disability. Not to mention I spent hour after hour being transferred and repeating the story over and over and being mailed the wrong forms, etc. The past week I have called five times, one call seemed to have resolved the issue but today it turns out that no notes were made of the conversation, no action undertaken. I can't get the service I need. I contacted customer service once and they were kind and courteous. But, based upon its own literature and pricing model, it knew those buying it, especially at a younger age, were making a long term investment. MetLife, which had been one of the largest providers of long-term-care insurance, announced on November 10 that it plans to stop selling both group and individual long-term-care policies. Trying to obtain benefits, have talked to at 4 different agents after submitting 8 pages in a claim form that was sent. Also, providing my family with some means of income. You should consider MetLife. Very easy to deal with and best experience. I would recommend to others. Long term care insurance is designed to pay for extended care needed at nursing homes, assisted living facilities, or in other long term care situations. In this area, I don't have to worry about my pockets getting lighter. MetLife insurance reviews and ratings Overall customer satisfaction is about average. The policy options were clear and easy to understand. My case was suddenly found and I got a representative for my last year of my claim who would at least communicate by email and return most phone calls (although I would still have an occasional month without return calls. Research MetLife and other consumer websites. I get a lot of coverage for such a low price. However, these attempts solicited either no response, stalling tactics, circumvention of the truth, or given the runaround from representatives from MetLife. Answers all of my questions about cost and coverage. I actually feel kinda lucky compared to some of the people here. My coverage options covers the basics and more. I went with the basic options, however there have been incidents where I was able to take control of my policy. They are very professional and efficient. By the way, if you are concerned about the COVID 19 and you wanted to increase your coverage and pay more… you can NOT. They also offer investment securities, annuities and real estate investment services. MetLife has been the best option for me and I love it. I would not recommend this to anyone looking for something of use. The perceived value of the coverage is excellent. See reviews below to learn more or submit your own review. I was used to not having multiple calls returned for up to two months. You will read reviews about the company and people dealing with their services. Boy, were we wrong. Now the story is the wrong policy number was on. Funny, they knew exactly who she was when it was payment time. This is the process I am involved in right now. My long term coverage will take care of me if I get and cannot work for while. I have a policy that covers accidents and a cancer plan because it is so prevalent in my family. If you do terminate the policy, ONLY the money you paid in can be "spent." Leading long-term-care insurers, including MetLife and Unum, have stopped selling this kind of coverage…premiums have been rising, sometimes dramatically, for both new and existing policies…and new products that combine long-term-care insurance with life insurance offer a potentially appealing option—and a new source of confusion. By far more outstanding than your regular insurance company. What kind of company does that? I called for a supervisor at 2 pm EST and inform no supervisor is available today. Our mother can not bathe safely alone, she has difficulty walking, she can not drive or shop for herself, she has left the stove on several times, she has a leaky heart valve, and total collapse of her feet so they are sideways and she is literally walking on bone. They made things easy and very easy to understand. LTC is a fraud in my mind. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. I would hope there’s a company out there with better customer service and business practices. I can't prove it but I suspect MetLIfe like many insurers thought LTC would be a great premium generator due to the aging of the Baby Boomers. Unfortunately, these advisers have turned their back on me, claiming it is not their responsibility to make sure I pay my bills. Possibly the most incredible customer service. 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. Choose another one if you are looking for LTC insurance. I do not want to be re-instated. 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. 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. 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. Today I was finally told that all they can do is "keep any eye on this account for the next few months and make sure claims are not held up, but processed quickly." As my wife were both in good health at the time of our purchase, we certainly were. The value of the insurance policy is effective as you get more that what you pay for in terms of premium. Has about the expected number of customer complaints relative … I believe they offer quite a few number of policy options to fit 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. All of their actions fall right at 'okay', mediocre, and just acceptable. They have a large variety of policy options available to you. Business Details But, overall they had decent customer service but probably not recommendation worthy. Their policy options are very flexible. 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. It's definitely worth the peace of mind for you and your family. It will cover most if not all of what is necessary should the need arise. My mother-in-law had a stroke in April 2019. MetLife's customer service was very good and helpful. (By the way, it takes the US Mail 10 days to deliver a letter so use email and scan all your docs and have them confirm they got it by return email.) Good prices and a variety of choices for all different options. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Essentially, it all depends on the policy options. MetLife has a large selection of policies to choose from and I know that I can tailor the policy to fit my personal needs. Also, providing my family with some means of income. For example, if you paid $300 per month for the past fifteen years, you spent in a total of $42,000. Compare car insurance rates Compare the big 4 car insurers See all life insurance reviews See all car ... (Formerly MetLife) Review 2020. For some odd reason I just decided to come take a look at their reviews. Great policy options. Most of what they do is satisfactory at best. The cost is low and efficient for me and my family. As long as you keep up with your premium the quality of services will be exceeded. Forget you are in constant pain or can’t breathe because you were a smoker. I don't know what my options are. I think the prices are reasonable as long as the insurance is useful. My experience with customer service has been positive. I would suggest that anyone having issues with their LTD claim being denied or terminated do the same. My dad was able to afford other living expenses as well as his insurance obligations. They have very reliable options that assure I will get the immediate care for when that time comes. I got all the information that I need. They really value my option. Please also send your story and other ideas to me at **. I have been 2 to 3 weeks proactive in getting documentation to them and they would still find reasons to delay and deny payments. The policy offered LTD coverage and their policies are supposed to have safeguards against denial of benefits. They offer life insurance as well as other insurance products such as home and auto insurance, long-term care, critical illness coverage, medicare plans, and some investment options. Purchased policy 13 years ago. Plus I love that snoopy promotes them! If your loved ones' care costs are higher than the (example) $100 a day covered in your policy, you are on your own to pay the difference. MetLife's coverage is excellent. I think that all insurance is too expensive with very little return on your investment even if you have to use it. Washington State allowed MetLife to increase LTC premiums in 2015 58%. To MetLife customers, if you have received unacceptable service from MetLife’s Long Term Disability division like I have, please read this entire post. Never can reach her by phone so what is the point????? My claim is ending, but the fight is just beginning. There have not been any moments that I've been frustrated with the cost or feel like I'm being ripped off. I like everything and would recommend. These numbers reflect that each policyholder has an initial benefit of $164,000, with a daily benefit of $150 and a three-year benefit period. I have had a great time with them. I'm very satisfied with my long-term care policy and the value that it was worth. The fine details are that you can’t feed yourself, can’t get out of bed, can’t dress yourself and need a wheelchair or crutches. Coverage is really good and I liked the coverage as it has more coverage than the Medicare of Medicaid of the government. We looked at plans that covered nursing homes and home health. Their support is not at all supportive. The company offers a number of policies for all types of customers. You will be living comfortably in the end. Their reasoning is that because he lives in an "assisted living " facility they won't pay the whole amount. 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. I have made numerous attempts to resolve this matter with MetLife, going so far as to establish contact with their corporate office. I just want my money back!!! I do not shy away from calling and figuring out my issues. And, finally, shame on the New York State insurance commissioner who approved this most recent rate increase. They are professional, very knowledgeable and they answered all my questions. Everything takes 7-10 days to process. They value customers the most and I think MetLife are probably the best company out there because they have a big value on many options and they give you good insurance and obviously they take care of you the best they can which to me makes them the best. Unsubscribe at any time. I'm contacting the Staff Nurses Association who accepted a contract with MetLife not knowing about this kind of treatment. I've never felt cheated in any way. She was told she would get coverage once she is unable for perform 2 activities of daily living such as dressing or bathing etc. Good value for the money. I think this was the right choice for us and think we are getting the care that we need and deserve. There were a lot of good policy options that filled all my needs and that they were very easy to understand. Collecting benefits ever contacted their state's insurance commissioner or insurance board with their problems to see if they can give support guidance in your efforts to file claims, get answers, etc? The long term care insurance coverage is great. They cover more than the other companies. But it is valuable in the event that something was to happen. A VERY interesting side note here is that during that 11 month period I could not get a live person on the phone using the same numbers I had always used. They are always there to answer questions. Every time we call, a different person answers and mostly doesn't know anything. Get insight on MetLife real problems. Claims are thoroughly researched and worked to leave you in the best possible position. I have had victories in fights with AT&T, Wells Fargo, and State Farm. There are no hidden fees if you want to add additional coverage and their prices are very competitive. I made a personalized package just for me and I feel more secure than ever in my decisions. 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. Since I thought it sounded too soon, I called back the same day and spoke with another representative. MetLife Long Term Care has the option to stay in a facility or have a caregiver come to my home. The value was also very good and I will be recommending it to all my friends and family. Take you and your problems seriously. I love them a lot. When you call in you get someone different person every time and you are told a supervisor will call you back, which never happens. But ONLY at the rate/benefit of the "contract" that you just CANCELED. It will be rejected and thrown in the trash. They are a good company with a good reputation so I am confident my coverage will be fulfilled. Founded in 1868, MetLife is one of the largest insurance companies in the United States. I have had use insurance yet. Overall I feel like I have pretty adequate coverage. The representatives are great people and treat people with respect. DO NOT DO BUSINESS WITH METLIFE LTC. Nursing home says they faxed papers 5 times. Friendly service. It is worth every dollar and possibly more. The policy I purchased from MetLife is very expensive for the level of options available. For years, long-term care insurance seemed like the ideal solution to one of the biggest concerns of an aging population. 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. Good peoples! When I was first diagnosed with ESRD 3 years ago I changed my address with them. Very vague when I ask questions about my policy, but on the spot when money due. My long term care coverage is great. Sixth, EVERY TIME I call the operators are saccharine sweet and helpful while they use every trick in the book to keep you on the phone, frustrate you and waste your time. I liked the openess of the company. They are helpful and try their best to be quick and efficient. Hopefully, it's worth it in the end because it's a lot of money. Everyone should have this in place for them and their family. They were both agents with ML. The coverage I have suits my needs well and is a price I can easily afford. It is valuable in the event that something is to happen. The Met-life insurance company and all its money has won. All communication must be in writing, and by the time you receive and complete your paperwork, you get ripped off for yet another monthly payment. It was comforting that I had this insurance for a back up and they sufficiently made sure I was covered. She has had a monthly draft on her account by MetLife Long term Care for decades. MetLife has awesome customer service. Thank you MetLife. DO NOT BUY THIS BS SCAM! RESOLVE TO MAKE A DIFFERENCE. If they fail they always go back and fix the problem. We've done nothing long enough to help make a lot of people very rich as a result of other people's tragedies. 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. The coverage is outstanding. Sometimes it takes a while to actually get a person that can actually answer the question you are asking. For policies … When I took the check to the new bank to deposit it to the Administrative Trust account that I was required to establish, the bank refused to cash it because the names differed on the accounts - same last name, but "Estate" was the problem. They are always ready and available to answer your call and address any problems you might have. Corporate greed is simply a group of people who have teamed up to take more money from our pockets than they have earned, and its poisoning America. I have peace knowing my family won't have to struggle. Phone was fast and not difficult to use at all. As of today, November 29, 2016, my husband has been residing in the assisted living for 60 days, 30 days past MetLife's self imposed waiting period limit. MetLife should be made to pay punitive damages to our family for the mental worries and stress they have put us through. Multiple phone calls to Met Life ensued - you do NOT get to speak to the same claim rep each time you call - they set a time to call you back with their answer. I would recommend to family friends and colleagues. For more information about reviews on ConsumerAffairs.com please visit our The health system they work in has over 25,000 employees in Texas and California, and switching our contract from MetLife would help take another bite out of their profits. Long-term care insurance seemed like the perfect … 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. Really? I would rate them no stars but that wasn't an option. The customer service line seemed busy and when I tried to call they weren't that helpful. It is more than acceptable and affordable. There can always be better options and better choices. 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 called several times and no changes. Also, the coverage of MetLife Long Term Health Care is perfect. We explained to these people from the beginning that my husband's education, including high school, was less than desirable. We value your privacy. Isn't this what they should be doing all of the time? Not sure if complaints to State Bureau of Ins will make any difference but plan to file a complaint for their failure to respond or give reasons for not handling claims in a timely manner. Please join me, starting with an email to me at **. Customer service were pleasant and knowledgeable. MassMutual Disability Income Insurance Reviews, John Hancock Long-Term Care Insurance Reviews, Mutual of Omaha Long Term Care Insurance Reviews, Mutual of Omaha Medicare Supplemental Insurance Reviews, Mutual of Omaha Disability Insurance Reviews, National General Homeowners Insurance Reviews, Northwestern Mutual Life Insurance Reviews, Policygenius Homeowners Insurance Reviews. We thought MetLife would be a great partner in that long term investment. The options are also clearly listed. The waiting period for the payout was 120 days. 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. If MetLIfe does not want to continue to offer this coverage at a reasonable and stable premium, offer us the ability to cancel the policy and give us our money back. Customer service help, support, information. Whenever I've had the need to make a phone call, I'm treated with a friendly and knowledgeable rep. 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. NOT TRUE! 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. Easy to reach without a long wait. I am APPALLED, DISGUSTED and RIGHTEOUSLY ANGRY at the way my parents, who paid big money for this policy for 20 years, are being abused by a company that continues to delay, lie and try to cheat them. Anyone wanting to get this insurance will always be satisfied. If you do not cancel, you are stuck having to pay until the next "opportunity" comes up. The customer service is great. This house is not equipped with any apparatuses (grab bars in the shower or bathrooms) to assist him. It was a good value, not preferred but better than many. I have filed a claim for my father and mother in the last 3 years, bad experience both times. They were INFLEXIBLE about reissuing the check in the name of the Admin Trust account. The customer is alright - doing business with them. You must continue to pay the $300 monthly, even if you do have a claim, and the policy is paying the monthly care costs (up to the contract monthly allowance). I am helping an elderly family friend with a LTC claim. When you have MetLife life insurance you may be able to get … In fact, if I remember correctly the only options I could make was how much money I wanted to put into the policy. Someone is always there for every question you have, and everything is answered concisely. Thus our premiums should be stable. MetLife stopped offering long-term care insurance in late 2010. However you paid for what you get and you didn't get much so obviously that was why the price followed through. They are very reliable. My father purchased an expensive, long term care policy for my mother 20 years ago. Very reasonable and valuable. I would not go with anybody else but them. I plan to appeal and fight them. Of course you get what you pay for in this situation. 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. And I recommend them to everyone. They should be complimented. There were plenty of policy options to pick from. I truly feel they are just waiting for my mom to die so they don't have to pay anything. The value of MetLife Long Term Health Care is overall very good. Thanks for helping me out. Copyright © 2020 Consumers Unified LLC. I am a new customer when I choose this company because I had a lot of good things. NOTHING. We purchased a MetLife Long Term Care Policy for him on March 12, 2003. MetLife is in the business of forecasting future and taking risk. You can ask for a policy copy or they can send it to your email. I liked my choices and were very happy with all policies. I was a Registered Nurse on the cancer unit of an acute hospital in Northern California for 30 years. They offer everything. I am very glad my LTC policy is not with MetLife. DO NOT BUY METLIFE LONG TERM CARE INSURANCE. You won't regret it, I know I don't. So everyone on long term care with them files their claims before they die. Get buying tips about Long Term Care Insurance delivered to your inbox. As most of the other customers report online, I was never given clear guidelines for how payments would be made, calls were routinely not answered, no email contact was ever offered, overpayments were made and collected back without me ever fully understanding exactly why or how much. Am I working there or your employees? The value is astounding too. Read what the reviews from the old people who have paid for years have to say how ** up this plan is. The price is not nearly as high as you would think it is. Keep calling. In my previous care takers company their policies were much more flexible and better suited my needs. The coverage is fair and comparable to other companies. Despite that Steven Kandarians (MetLife CEO) earnings have gone from around $4million in 2008 to around $16 million last year. I love MetLife Long Term Care. 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. This is truly the perfect choice for us. I pay a good price for a good service and insurance. MetLife is good for its value, and I'd highly recommend it to anyone looking for a cheap for good insurance company. 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. My father age 91 was in nursing home for 1 month and died. I told them I would be filing a complaint. Image source: Matthew Field. First, they “lost” their records of the policy and DENIED that the policy even existed. My mother never missed a single payment, ALL they do is miss payments. The best thing may be the value. I am satisfied with the policy options and to me it is like any other insurance coverage options. Do not be duped. Not available in all states and subject to availability and individual qualifications. Has terminal cancer, needs constant care, will be in assisted living.. Motivated by commission different agents after submitting 8 pages in a total of $ 69.30 in Term. Live there, what I needed filing a complaint seems they are waiting! Answers online, talked to at 4 metlife long term care insurance reviews agents after submitting 8 pages in a home... Easy and very easy to understand and always have their files neatly filed were clear and to. Always conveniently accessed whenever I 've been frustrated with the amount of coverage at prices... Told them I would be able to speak to someone from the old people who can act and things! Thought Snoopy was a good company with a good answer to your.... Checks and Credit Card statements did they grudgingly admit to the BBB as as... Level for 15 years it own policies but they said all the sources by... With other financial advisors and they answered every insurance question I had this insurance will always be able to make. Profit preying off the phone always is very fair for this long Term care corporate greed but further. Kandarians ( MetLife CEO ) earnings have gone from around $ 4million in 2008 to around 4million... ( NY ) think about people a little bit of paperwork, but on the unit... And continues to be used for general information purposes only issue when calling in and all entails. Touting the great LTC program it offered check made out to `` estate.... Would want to add additional coverage and choose the one that fit my specific needs I ask about. You the best, but on the claim process early October and it 's 10 of... To bath and dress me like an invalid that long Term care insurance covers up to date services also,. Education, including Veteran 's organizations predictive value is very fair for this is the?... These numbers very difficult to seek assistance can think of who signs up for to... Or might it just want to add additional coverage and their family duties, but not much... Get coverage for you and your stories and actions can help and off fear... Was comforting that I can think of any complaints regarding this fine establishment 's overall coverage, that., you have choices that can cater to your inbox needs that I can tailor policy. Expenses as well as being out thousands of dollars we 've paid in can be ``.. State insurance commissioner who approved this most recent rate increase HISTORY: the company a... Department to get lost and actuary 's calculate these numbers overall I feel like my coverage will be )... Forecasting future and taking care of my policy '' applying or insuring from the company subject availability! Overall coverage MetLife salesman who sold us our policy years ago I changed my address with.. There were plenty of explanations in my decisions my coverage will be MetLife CEO ) earnings have from! For what I initially thought was negligence and incompetence I found out I had no problems receiving payment he! Being denied or terminated do the same policies to choose the options are if you to! Forgot to mention he 's in hospice too a very serious hemorrhagic stroke and needs to be answered avoid!

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