Monday 16th of January 2017 04:23:25 PM
My parents faithfully paid monthly premiums to MetLife LTC for over 20 yrs. They were both satisfied with the insurance until they needed it. In the Spring of 2018, my mother entered a nursing home due to permanent health issues she was having. My father contacted the company to initiate benefits. His experience was similar to others: every time he called, either his rep was out of the office, or would call him back (which never happened), after completing a mountain of complicated paperwork & submitting it, his customer service experience did not improve.It simply changed from it being frustratingly hard to even be able to contact someone to receiving paperwork from the company indicating they were "researching" his claim. Unfortunately, after two months in a nursing home, my mother died. MetLife LTC is still "researching" my father's claim. Even worse, he has now received written notification that MetLife LTC is increasing the monthly premium ON MY MOTHER, WHO HAS BEEN DEAD FOR A MONTH! My elderly father must continue to pay the increased premiums. If he cancels the LTC coverage on my deceased mother while the company is "researching" his claim, he gets nothing.As of this date, all my father has received from this company is excuses & delaying tactics. Also, after reviewing the 5 star ratings on this site, most of them were submitted over a 4 week period and the information associated with each, indicating what a great company MetLife LTC is all contain general statements, such as "My long term coverage is nice." I saw only one that actually had to use the insurance & it had no specific details, only generalities. Very suspicious to me. I used to think MetLife was a reputable company. Not anymore.