There have been a couple times where certain services were not covered, but that is pretty rare. MetLife is terrific in that respect. I'd recommend these people 100% of the time. I'm happy with the overall coverage, but not enough to recommend it to friends/family. However I wish it could be a little cheaper. The policy I purchased from MetLife is very expensive for the level of options available. MetLife Long Term Care has the option to stay in a facility or have a caregiver come to my home. They are always there to listen and they don't rush you off like others do. They are always there to answer questions. Have your attorney sue MetLife if they think the case is legitimate. This company is not yet accredited. My disability has interfered with normal daily routines. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. I looked these jobs up using the DOT codes provided. 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. Research MetLife and other consumer websites. I’m willing to work to help others avoid being taken. For nine months now I have been calling MetLife LTC about claims for September through December 2017 for my wife's mother who passed away in December. Everything needed to start the policy activation process must be mailed — after waiting 10 business days for a call back from a “claims processor” and mailing EVERYTHING takes “10 business days”. My 90 year old mother began paying her long term care 25 years ago and always talked about counting on it when the time came. I am very happy with my overall coverage. I'm willing to share more of what I have learned fighting corporate greed. This house is not equipped with any apparatuses (grab bars in the shower or bathrooms) to assist him. Their automatic reply of 'your business is important to us' is such a lie they should be ashamed to have that play every time I call. 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. My parents purchased LT care insurance policies from MetLife through AARP about 20 years ago. 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. They get irate and insinuate you are trying to falsify claims. They are reliable and want the best outcome. Choose another one if you are looking for LTC insurance. 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. They have a good variety and are comparable to other companies and their policies. Great policy options. So now she is in assisted living and don't send an invoice in 1 day too early? The coverage was as good as I think any long term care would cover. I submitted all charges incurred while in the nursing home. All Rights Reserved. When I signed up I had no idea there were so many loopholes. We talked to a MetLife representative. The coverages are also very easy to understand. My father passed away and never had a claim. They answered every insurance question I had and they were able to explain the different types of policies they had. Stay away from this horrible company! My mother-in-law had a stroke in April 2019. I feel like I am getting the most for my money and time spent deciding what I would like. Really? 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. Believe! For some reason I couldn't pay through online crediting but, customer service help me clear this up really well. The customer service was extremely helpful to me. 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. I am satisfied with the level of customer service I receive from MetLife. Again if I ever need it I feel like I am in the best hands possible. I currently have no complaints. I opened a claim in early August 2014. You have to use their approved agencies. The perceived value of the coverage is excellent. Only after presenting years of canceled checks and Credit Card statements did they grudgingly admit to the policy! If someone can't walk, can't bathe themselves, can't eat by themselves, has dementia, and has advanced Parkinson's disease... wouldn't a reasonable person say that that person is 100% disabled? So the perceived value of their coverage is excellent. They do do not hassle you to keep a policy you do not want or do not need. ML tied them up with so much paperwork that they never received any help. My Metlife insurance value is worth it. I actually feel kinda lucky compared to some of the people here. You should consider MetLife. 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. However, these attempts solicited either no response, stalling tactics, circumvention of the truth, or given the runaround from representatives from MetLife. 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. A few months ago the same thing happened to a close friend of ours. You are not stuck to one choice or option. The only options I could make was how much money I wanted to put into the policy. MetLife is an insurance company that has sold long term care insurance policies since the 1980s. Once they found out it works, other companies have joined in. His wife applied for their LTC aid when he became immobile with cancer. The value of my Long Term Care Insurance is what I was looking for. They were INFLEXIBLE about reissuing the check in the name of the Admin Trust account. I did not like my policy options at all too. 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. Do not question them. They were both agents with ML. To pay your Long Term Care bill, mail your payment to the appropriate address below. The settlement follows a rare victory in the Seventh Circuit Court of Appeals for aggrieved long term […] 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. Everyone should have this in place for them and their family. Everything was completely worth the price but that said the price was to me very fair. 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. They have policies that are easy to understand and you can always find something that fits your situation. Boy, were we wrong. 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. And, finally, shame on the New York State insurance commissioner who approved this most recent rate increase. Yes, he may physically be able to perform these job duties, but that's all. Every time we call, a different person answers and mostly doesn't know anything. Employers are able to pre-select benefits and offer them to their employees at discounted rates. Everything takes 7-10 days to process. Get them. I just want my money back!!! MetLife's customer service was very good and helpful. I currently have no complaints or issues with my policy and all that entails. My claim is ending, but the fight is just beginning. It will cover most if not all of what is necessary should the need arise. Over the years they've helped me out a lot and explain a lot to me. 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." My husband is a Vietnam Veteran residing in an assisted living facility. I called & Wrote to our state's insurance board, which they claim they have the authority from them to increase my rates every year & I get a sort of "dear John-type" letter generic in nature explaining how medical costs go up. The policy options were clear and easy to understand. These options include accident death payouts, disability insurance, long-term care and more. In the past year she has had 2 ischemic strokes and a very serious hemorrhagic stroke and needs to be in assisted living. They are multiple! No form but every rep gives me an old incorrect address. My long-term care coverage is great. I've been a client with them for over 10 years and am not, in the slightest, thinking about leaving. Do not have a bad review at this moment. DO NOT BUY METLIFE LONG TERM CARE INSURANCE. When my claim started, I immediately asked for help from their rehab department to help launch my life coaching business so I could get off disability as quickly as possible, but it was refused. My mother never missed a single payment, ALL they do is miss payments. Founded in 1868, MetLife is one of the largest insurance companies in the United States. So now, it finds the premiums from existing policyholders are inadequate. That was the investment we made when we bought it. The agent had me so upset I broke down. (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.) Am I working there or your employees? I have spent more than 2 months speaking with supervisors waiting for them to stand behind what their employees tell their insureds. Subsequent calls resulted in more restrictions on the 90 day waiting period. They will take time to explain each and match what policy is right for you. MetLife is good for its value, and I'd highly recommend it to anyone looking for a cheap for good insurance company. I'm very satisfied with my long-term care policy and the value that it was worth. 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