Metlife Reviews 757

A very unpleasant and unprofessional company to have to deal with. If you are fortunate enough to get someone on the phone, they just talk over you and are no help at all. Then they transfer you back to the computer that just takes you in circles. I would avoid this company at all costs. They definitely deserve ZERO STARS.

Thus company is actually garbage.
My wife had surgery and they randomly ended her benefit. Submitted supporting documentation saying shes STILL out of work recovering from the same surgery she was just approved for and they still havent paid us. Theyre a month behind at this point, and yeah, the claim shows backpay. Back pay doesnt allot for missed bills because of these stupid incompetent idiots.

This review is written on behalf of a family member whom I have been assisting since the very beginning of this process.
The process took nearly four months for us to receive a treatment predetermination, and this was only expedited thanks to the help of a specific staff member from NCD, Lee.
Approximately 90% of the proposed treatments by the patient’s dentist were denied. Of those, about 40% were offered alternative treatment options, while the remaining 60% continued to be completely rejected.
What is especially concerning is the reasoning behind these denials. Even without reviewing X-rays, the damage is clearly visible to the naked eye. A couple of the front teeth—for example, tooth #9—have lost all of their enamel (top layer). In one case, the shape of the tooth has been completely altered due to acid erosion.
With the reduced vertical dimension of occlusion (VDO), all teeth are noticeably shorter than normal. This condition was also specifically noted by the patient’s family dentists.
Despite this level of structural damage and functional impact, more than 10 molars were denied coverage on the basis that the treatment is “cosmetic.” It is difficult to understand how this could be considered cosmetic—these are molars, essential for chewing and normal function, not front teeth.
I would also like to clarify that I understand the final decisions are made by MetLife Dental, and this review is primarily directed toward them rather than the provider NCD. With the help Lee from NCD, we were eventually able to obtain the predetermination after a long delay. However, as noted, most treatments were still denied or disapproved.
I would not give a one-star rating solely because Lee from NCD was extremely helpful in moving the process forward.
We are currently in the process of seeking a second opinion to better understand why so many treatments were denied, whether the proposed alternatives are appropriate, and whether those alternatives are reasonable given the patient’s condition. NCD has indicated that they will assist us through this process.
If the situation improves and the process moves forward smoothly, we would be willing to update and revise this and all other reviews to reflect that progress.
That said, based on our current experience, I would advise others to proceed with caution.
Despite these challenges, we will to move forward with the necessary treatment. At the same time, we will continue to advocate for proper coverage. This may include filing complaints with appropriate government agencies and, if necessary, pursuing the matter in courts

This has got to be the worst Insurance carrier ever!!!!!!!!!!!! The reps lie, they leave you on hold for an hour+ and to get to a live person is near impossible!! Working for a dental office and we have quit taking patients with Metlife bc they suck!!

I would give them zero reviews if I could. Anytime I call, it's a 1 hour wait, then when I'm on the phone with them it's an additional 30 to 60 minutes. They do this on purpose.

Horrible service, use any other provider.

Just trying to register my account online, I can tell the company is crap. Three try's to register (card in hand). No luck. If this is the start of our relationship, its going to be bad.

They denied multiple claims base off of time of work done by previous dental insurance will only pay for one panoramic xray every 5 years so if you have had recent dental work and need more they are not the company to go to you will be paying them to deny your claims

I left a review with the BBB on 3/20/26. My issue still hasn't been resolved. Before going on medical leave, I intentionally setup for payments to be electronically paid. Once the waiting period was over, I received texts saying that checks were mailed. Due to me not being able to walk nor drive, this was an issue. I contacted metlife informed them of the issue. By this time, they had mailed 2 checks. They told me to not cash them and wait. Due to bills and having children, I had no choice but to have them deposited. I reached out to metlife several times to inform them of this issue. They said they would fix it. Then a 3rd check came. I have it deposited. Metlife then contacts me saying they are working on getting everything electronically transferred. I notified them that the 3rd check had been deposited. They wanted me to call the bank because they did a stop payment on the check. 3 days later, I had a charge back from where metlife stopped payment. I contacted them again! They asked me to send proof of the charge back and the charge back fee, which they should have proof that a check was returned. I sent in the letter from the bank. The representative stated that I would receive the check and the fee. I have yet to receive it because they said that have to review the paperwork sent in. It's been a week since I sent it and im still a payment behind. My bills, medical needs, or small children don't care about the process that has to happen in order for metlife to get my payments in order. All I know is that the few pennies im owed, I need in order for us to stay afloat. I definitely do not recommend metlife, this is what my employer offered and I thought it would be easier just to have everything deducted. Once this is over, I'll definitely research other companies.

My husband passed away in November 2025 and I submitted a Death Claim with MetLife in Rhode Island in February 2026. I had to submit the same documents three times. I was never able to talk to a claim representative, get a claim number or know what the status of the claim. I only heard from them through letters when there was a document "missing", again. This is April 2026 and the claim is still "pending". I learned this through a contact I have with another company that, somehow, has access to MetLife and was given to me as a contact. He too got stalled and could not get clear information or the name of a person he could talk to. And he is an insider. Clearly, MetLife is trying not to pay the death benefit. I have filed a complaint with the California Department of Insurance but it doesn't sound like they can do much except tap on their shoulder. I really don't know what to do to be paid, after paying them monthly for decades. This Review is to warn people NOT to buy insurance with MetLife. New York Life paid me within 2 weeks!

My son passed away leaving me as beneficiary for a small life insurance policy. Filing out the claim was a complete run around. I'd call for help, I'd get transferred 4-5 times, sat on hold for 45 minutes during one call. Finally contacted my son's employer who helped me get the claim started. 2 months later received a call from Metlife saying the claim has been paid, but it's paid through a TCA account they opened on my behalf. Wasn't given a choice, which I find insane they get to decide where your benefits go. Now I have to go through the process of trying to get it transferred into my personal checking account. I lost my child then having to go through this mess was a lot. I hope I never have to deal with this company again.

Don't be fooled by the MetLife name. My 2026 experience has been defined by systemic "lowball" reimbursements and constant administrative stonewalling. Their member portal and phone systems are a "black hole" of technical errors—conveniently failing whenever you try to speak with a knowledgeable representative or file a claim.

I have wasted hours dealing with offshore teams who give me the runaround while MetLife avoids paying for medically necessary work. The only positive part of my tenure with them was the day I canceled. Their business model is clearly built on "Paperwork Fatigue"—making the process so difficult that you’ll eventually stop asking for your own money. Do yourself a favor: find an insurer that values its clients and actually honors its policies.

After my accident, I lost movement in my right hand from the wrist down, which has had serious impact on my daily life. I submitted a claim, but the process was extremely slow despite calling regularly, it took two months before my case was even reviewed.

What made things worse was the response I eventually received. I was told that too much time had passed, even though their own policy allows up to 12 months. Meanwhile, I've been undergoing surgeries for the past two years, dealing not only with physical recovery but also the stress of being denied support.

I've since consulted a lawyer, as the situation feels unfair and mishandled especially considering the scale of compensation involved. It's difficult not to feel overlooked or dismissed when you need help the most.

I'm truly grateful to God that I came across Bitci Stack Asset platform on Trustpilot. It has been nothing but a blessing, giving me access to funds and consistently paying out my profits whenever I place a withdrawal. It's rare to find something that actually works as promised.

Based on my experience, I would strongly recommend carefully evaluating your options before choosing a company, and making sure you work with one that is responsive and transparent when it matters.

The METLIFE "customer service" is BAD. VERY VERY BAD. I wasted hours, days and weeks dealing with this insufferable company and I still have no idea if the check that was mailed to them went to my account. When you first call, you are faced with this stupid AI bot that does not hear words or phrases correctly and makes you repeat yourself over and over again. I spent at least 20 minutes for the first part of my call, trying to get the AI bot to understand my words. Second, when you finally surpass the AI bot (which is extremely stressful and annoying to deal with), it routes you to people working in call centers in a 3rd world country. You talk to foreigners from the Phillipines who give inconsistent and wrong answers and you can barely understand their English. I called 4 times and spoke to 4 different reps who gave me different mailing addresses on Feb. 16, 2026. Someone named Renee is the WORST rep and argued with me on the phone and refused to give me the mailing address where the check should be sent to. The Met Life reps do NOT know what they are telling you and can give you the wrong information or make something up just to get you off the phone. I wrote the BBB and some woman named Sylvia Cicco from METLIFE responded to me on Feb. 24, 2026 and told me she would call me and update the status of my check by early March and of course, she NEVER DID. She said I could email her if I had questions and I did. I emailed her twice on March 6 and March 10, and her co-worker Ben Sherman who responded to my BBB complaint stating in a letter to them that I could email him for questions. I emailed them both with my question and they IGNORED my emails and never responded. I emailed them both hoping at least ONE employee could respond and they did NOT. Met Life has the WORST customer service. I was forced to sign up with this dreadful, unprofessional, demonic company because my employer made it mandatory to sign up with MET HELL for my 403 (b). METLIFE customer service is HORRIBLE. I have NO idea where my check is since it was mailed early in February 3, 2026 and NOT one person from MetLife cares to even let me know the status of my check as of March 2026.

UPDATE: MET HELL won't respond to my emails even though in the letter Ben Sherman from MET HELL wrote to the BBB said for me to email or call him as if he wanted to help but he IGNORED me (probably to look good to the BBB) but Ben Sherman had NOT responded at all. He is very unprofessional, apathetic, and incompetent. I figured out where my check was finally by contacting my old annuity company from my former employer to see if it was cashed.

They have very unprofessional people at Met Life working there like Ben Sherman. He is also extremely incompetent, as he sent the BBB a letter in response to my complaint with his info for me to contact him and he never responded to any of my emails or voicemails for almost 2 months and he never will. I am shocked Ben Sherman is employed by Met Life and gets paid to be incompetent and lazy as he does NOT do his job and never answers customer emails or return voice messages.

If I could rate them any lower, I would. They do not read anything you have sent over regarding a claim. You can not get in contact with anyone there. I submitted all the required documentation, but they still processed my claim incorrectly. It seems like no one can tell the right hand from their left. Would not recommend.

Worst customer service ever had one nice lady handling my application then today trying to see the status of my application , this lady was trying to pry information off me when I mentioned I need to know what the out come of my application is as my broker done me a quote from another company , never felt so bullied by an insurance company ever !

Their claims department does not communicate with the status of my critical illness claim. I called and asked about the status of a claim I submitted after the 10-day period and the representative said an advocate extended my claim. I told the representative they are not letting me what they're doing. There's no communication and I'm paying for this insurance.

I wish I could give a 0 rating.
A word to the wise, do your homework when considering giving your money to this company. My mother paid into a long term care policy for decades yet when it was time to use it we saw how big of a scam long term care is. When you sign up you are not told the truth about eligibility and the barriers they have in place to keep from paying you. My mother passed December 2025 and as her caregiver I've yet to receive payment although I qualified as her caregiver in August. The company didn't accept eligibility until she got on hospice which again you're not told about restrictions when signing up.
Buyer beware!

Horrible claims service. I had gum reconstruction surgery. Was pre-approved for apporximately $1000 of a $4500 surgery. Filed a claim and it's been a year of fighting with them and so far have gotten $71. They kept kicking my claims back for lack of information. Apparently surgery to teeth 2 - 7 wasn't correct. Had to be listed as surgery to teeth 2, 3, 4, 5, 6 & 7 so they could understand it. Multiple rounds of denials for BS reasons and each time it takes months for them to respond. A year later I am still waiting for them to pay what was pre-approved.