Metlife Reviews 

Their 'new and improved' phone system fails and puts you in a loop pretty easily. My advice, just keep saying representative, that works. This thing was clearly not tested, and is barely functional.

Now, on to the customer support. They can't really do much but pass things on. Typically, there are dogs barking in the background, or they have you on speaker at home. They try to be nice, but, again, can't do much. I was assigned a claims specialist, but they don't have an extension yet, so I can't leave messages for them.

Lastly, their website. I cannot upload documents to it, just errors out, and logs me off. It's a weird layout and many pages will land you on technical difficulties when trying to just get information on a claim. In addition to this, the site said I had no pending tasks (waiting on them), yet when I called they said I was supposed to get back to them. No one seems to know what is going on at this place.

I'm still waiting on a callback from the claim specialist (it's in their system, they say), since I can't actually call them yet.

I’ve not yet used my MetLife dental and vision insurance yet, but I have enough information to make a review. I purchased a policy on December 1 to take effect on January 1. I set up payment with my debit card and I made an appointment with an eye doctor, in network for January 2. I received an email saying that my policy is complete and that I could just Print a flimsy piece of paper and write my name and policy number on it. That sounded pretty cheesy, but figured I could deal with that. Today is January 2 and I called the eye doctor to make certain that my policy is in effect. They could not find me in MetLife system because I had not yet been given a policy number. I called back and spoke with an agent and was told that “yes, your policy is in effect, and paid for, but it won’t show up on the computer for a while. A while? It’s freaking paid for It has been for weeks.”Therefore, your eye doctor won’t know that you have a policy”. I was told that I could ask the eye doctor to hold the bill for a week or so.I’m a physician. I don’t hold bills because an insurance company hasn’t gotten their act together. It’s hard enough to get paid by them when everything is in order. You’re lucky to get pennies on the dollar reimbursement. Anyway, I called my eye doctor and asked them if they would do that and they said absolutely not. So a month after I purchased my policy, it’s technically in fact, but unusable.. I would like to say this surprises me, but dealing with insurance companies every day nothing surprises me. I also went back and looked at my benefits and noticed that it would not tell me the co-pay for getting polycarbonate lenses until you purchased the policy. Once again, only insurance companies work this way. Other than Congress, who else makes you purchase something before you know what it pays for?

Met Life denied a crown replacement twice even though the dentist submitted images of the cracked crown, stated it was over 6 years in place, and that it was medically necessary. Customer service does not speak English. Do not use Met Life for any of your insurance needs unless you are ready to fight for what you are paying for.

MetLife takes their sweet time in processing claims - furthermore the claims personnel never communicates the status - one has to always be pro-active and contact this shitty firm and good luck getting thru to the right person. This firm needs to disappear or be sued into oblivion

MetLife multi protect

I bought this insurance policy believing it would cover my family and relatives, as the agent had assured me. He convinced me to purchase it based on that assumption. However, when I needed to use the insurance, the registered hospital or clinic refused to accept it. Despite reaching out to their customer service, I couldn’t find a satisfactory solution. Regretfully, I now realize the mistake I made in purchasing this insurance.

I was diagnosed with kidney cancer and filed a Critical Illness claim on September 20, 2024. We are now over halfway through December and the company still is playing games. Twice I have been told they have the medical records and still receive a request via snail mail, even though the preferences state contact via phone or email, for medical records. The hospital and the company Metlife uses to obtain the medical records state they have been uploaded to Metlife and still we wait......

I hold Power of Attorney for a MetLife insurance beneficiary who is 96 years old. Since early October 2024 I have been trying to get this company to pay her legitimate claim but keep getting a run-around and transferred from one department to another with no result. This is the worst customer service experience that I have ever had!
Roger Hensley, CPA

My partner passed away on October 21, 2024. Before his death, he showed me documentation listing me as the sole beneficiary of his life insurance policy with Metropolitan Life (MetLife). A couple of days after his passing, his employer notified MetLife.

Two weeks later, I received paperwork from MetLife, but it requested information about his siblings instead of mine. When I called MetLife, I was told twice that he hadn’t designated a beneficiary, and therefore the proceeds were to be distributed to his siblings. This conflicted with what his employer had confirmed to me: that I was indeed the designated beneficiary.

After another two weeks of back and forth, MetLife finally "expedited" the correct paperwork to me. I completed it immediately and sent it to their Scranton, PA office.

Now, it’s December 6, and I’m still waiting. When I called MetLife again, they said my claim had been approved, and a check was mailed three days ago. They claimed it would take 7–10 days to arrive via USPS, despite me living just four hours from Scranton (a two-day delivery point for USPS).

Dealing with MetLife has been incredibly frustrating. Finding the right phone number to reach them is a challenge, and if you manage to get past their automated system, speaking with someone who is clear and knowledgeable and understands English is a rarity. It’s appalling to have to fight for what’s rightfully yours while mourning the loss of a loved one. Good luck to anyone else trying to navigate this BS while mourning the loss of a loved one. If I could have given them a negative star rating I would have.

The worst experience ever. Do not use MetLife short term disability insurance. No communication and they give you the run around. They left me in a Big hole

The absolute WORST company EVER!!!!!! Can't believe they are still in business... My grandmother passed away and they have me jumping through hoops to file a claim and receive benefits...

Most horrible experience ever!!! Automated system is ridiculous! Had to give information 3x only to be hung up on and do it all over Again!! Called a week ago with bad results. Used to be able to call, get help and resolve within a week. NOW you have to jump through hoops, fill out RIDICULOUSLY LOOONNNNG FORMS that won't print and they give you no email or address conveniently to return it!! This is BULLSHIT. They are lucky that I've been with them so long or I'd cancel my policy TODAY!! ANGRY AND FRUSTRATED doesn't even remotely cover it!

I’m sick to my stomach with MetLife, in July I almost died, originally my claim was denied it took two months for approval. After I’m on extended leave until January my doctors office notes state everything but “dead” on it and just last week it was sufficient, now they literally need my kidneys to approve this next batch. I’m out of work until January 2025 and I really really wish I can go back to work like yesterday, but I can’t stand, walk, bend, nothing for more than five minutes at a time. Seriously I cannot cook right now thank god for daughters I’m in my 30’s and defeat is running through the course of my body. I just can’t anymore, maybe if I send my death certificate I can get the ball rolling. I’m closing my accounts and going back to Aflac I’m so upset I left them, like devastated for something to happen to me a month later. My union representative came in and sold us this MetLife idea as if it was the next best thing, truly it wasn’t. BUYER beware.

Pure scammers dental insurance and dentist hey consumer beware before you have any procedure done make them file it first thru insurance I have been out thousands of dollars and overpayments that MetLife can’t seem to collect for me from dentist overcharging or you may hear your plan doesn’t cover that what a joke consumer beware

no comment have a great day

This company has the worst customers support I have ever encountered. They haven’t been able to workout the kinks to give me access to view my able benefits for my particular policy all year. They hang up on me when their shift ends they hang up when you have been waiting in queue for long periods. Just today I have called and waited in queue 5x and every time I hear a rep connect the call they immediately disconnect the call.

I have MetLife Critical Illness insurance through my company. Recently I was diagnosed with congestive heart failure and was told by my company to file this claim. Payout 30,000.00. I file the intake on 11/9 claim was completed 11/15, I was informed today but, the weirdest thing, I go to the app and it states the claim was denied on 11/11. Then after 90 minutes of talking I get the representative and admit that Although the policy doesn't cover congestive heart failure, it does cover major organs. I thought the heart was the most important organ. Still denied. Will write appeal in yhe morning

My first policy was taken when I was born, 73 years ago. It was with New England Financial, then it was merged with Mass Mutual, then MetLife. Over time, I have purchased 8 policies including 2 for my wife. When Brighthouse entered the picture things went into a steep decline. I tried to create a portal but Brighthouse said I did not exist. My agent was no help and constantly dropped the ball. I received a premium notice in the mail dated 10/21/24 on 11/18/24. I called MetLife to once again to try and set up an online portal and pay this premium that was due on Nov 17. After 2 hours and talking to 4 different agents, the portal was set up. My payment was made over the phone but has not cleared my bank. Now they say it takes up to 48 hours to clear but my payment is in their system. Avoid this company as they are inefficient and you will be disappointed in their service. They were great the first 72 years but now they are just there to take your money.

Horrible company complete disorder

While MetLife has decent or even good coverage, their business practices are evil. They kept denying my dental claim because the dentist submitted me as "Tom" instead of "Thomas". This has taken over 17 months to finally figure out. Who does that other than some greedy blood-sucking a$$h@ts who do not want to pay what they owe. Truly disgusted with them.

Customer service is the worst. They don't know what they're doing. They kept transferring my call from one department to another and after an hour, I had to drop the call without getting any help from a single Agent. Total waste of time. Website not helpful either. They don't even deserve a one star.