A class action investigation is looking into cases of long term care insurance denial that may have been issued in bad faith by MetLife.
Other companies involved in the investigation are MassMutal, GenWorth, Cigna, John Hancock, Unum, and Continental Casualty. Consumer advocates are also looking into whether a recent spate of premium increases were issued in accordance with policy terms and applicable laws.
MetLife and other long term care insurance providers have allegedly been increasing premiums at an alarming rate. Policyholders report these companies have been issuing long term care insurance denial in cases where it should have been granted.
As an alleged result of bad faith insurance and high insurance premiums, policyholders say they are left without benefits when they need long term disability coverage.
Loyal policyholders who had paid their premiums on time and were previously promised their insurance premiums would eventually decrease after 10 years or after the age of 65, are instead experiencing significant increases.
Even if policyholders manage to pay these premiums, they report experiencing difficulties in claiming long term disability benefits.
Overview of Long Term Care Insurance Denial
The trend of long term care insurance denial stems back from the 1990s, when insurance companies were faced with increasing financial pressures from economic downturn.
This is because MetLife and other insurance companies had been aggressively selling long term care insurance policies to customers, which are designed to help pay for extended care required at nursing homes or other kinds of assisted living facilities.
However, cases of long term care insurance denial had become increasingly common in the early 1990s, allegedly due to the economic losses the insurance companies sustained after interest rates dropped and numerous long term insurance claims were filed. Some of these insurance companies allegedly failed to give sufficient reasoning for these claim denials.
Individuals who invest in long term care insurance policies often experience serious investment commitments, and rely on the insurance providers to perform due diligence when processing their claims. According to Money.com, elderly care facilities can cost over $90,000 a year and are most impactful on policyholders needing affordable insurance premiums.
MetLife had reportedly offered policyholders “Reduced-Pay at 65 Option”, who were concerned about long term care insurance premiums. The insurance policy reportedly promised to keep premiums at a fixed 50 percent of what the policyholder paid before the age of 65, if the policyholder paid over the regular premium amount per year.
This essentially means that policyholders were promised these premiums would be reduced by half. MetLife allegedly failed to keep this problem, with numerous policyholders alleging they ended up paying higher premiums than they were led to expect.
Policyholders who are looking to file a long term care claim should be aware that the insurance company may not provide sufficient reasons for a denial. In order to qualify for long term care benefits, the individual in question must be unable to take care of themselves in the most basic of ways, including bathing and dressing.
Potential recipients should go over their medical documentation to insure it highlights the severity of their condition, particularly that they cannot take care of themselves. Policyholders who experience long term care insurance denial may be able to file legal action against MetLife and other insurance providers.
Join a Free Long Term Care Insurance Lawsuit Investigation
If you or your loved one were subject to an improper premium increase or an improper claim denial, you don’t have to take on the insurance company alone. You may have a legal claim.
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12 thoughts onMetLife Policyholders May Be at Risk for Long Term Care Insurance Denial
Same problems as those above with comments. MetLife keeps raising premiums where eventually policy holders will NOT be able to pay. I want all my premiums back. $65,000. I believe MetLife will be insolvent and will not be ABLE to pay. I also believe they don’t care and will deny all benefits, no matter if it is warranted or not. So why the hell am I continue to pay them?
Would like to become part of class action due to premium increases
Yes, let’s find a major law firm and start a class action against MetLife
I have been paying on a Met Life LTC policy since 2002. In 2018 I received a notice that the premium would be going up 10% for each of the next 3 years. To date the premium has gone up 70%. I called customer service in December and spoke to Tanay. She could not explain why I received a additional bill after I paid for the year 2022. She told me a member of management would call me in 48 hours. I waited 2 1/2 weeks and called and talked to Gwen. Same story. Same result. Called January 20th and talked to Alisha who told me I had over paid and she could not explain why I was billed what I was billed in December much less the additional bill in January. She advised she was referring my case to a Billing Supervisor and I would receive a call within 2 weeks. After reading others’ problems I am extremely worried that when I need it the most Met Life will not be there to honor the policy that I have paid thousands for since 2002. At 75 years I obviously cannot purchase another.
Hi My husband and I have had MetLife Long term for approx 17 years.
After reading this article and looking over our policy. We have now realized that they are ripping us off. We have paid thousands of dollars only to our to find our claims may be denied we we really need it the must.
Do you you think we can recoup some of our money?
I am 87 years old and have been paying for Met Life Long Term care insurance for 11 years. The price keeps going higher. I would pay but reading all the horrible reviews about Met Life they may not pay me if I ever need them. Should I cancel when my payment is due in December? Any advice will be appreciated.
My brother was approved for benefits on his LTC plan with Metlife after about 8 months of haggling. However, they did not approve the Caregivers that I had preemptively had approved. That doesn’t matter to them. The care coordinator says that the caregivers weren’t approved and the care coordinators supervisor say the service provided wasn’t approved. I called customer service and customer service told me on a recorded line that the policy had changed and Independent Caregiver was no longer an option and you had to use a Home care agency. She said that the new policy stated that. I told her to read directly from the policy since it was on a recorded line. She refused but said she would send me another copy of the policy. She also told me that Independent Caregivers needed to have a medical license. The story goes on. I have filed with the department of insurance. I did get the Case Recording # of the conversation, that is if they didn’t lie to me about that. We are about 70,000.00 into the amount Metlife hasn’t paid because or provider disqualification. I asked them to send me a Provider list of both Independent Caregivers and of Home Care Agencies. They said they didn’t have a verified list of Independent Caregivers because that was the responsibility of the Claimant or Authorized Representative and when they sent me a list of Home Care Agency’s it was a list of Home Health Agency’s Instead. They wanted me to send a list of the ones I wanted to use. I asked why so you can deny them? Much more to story. Continued?
I’ve been on the phone every other day with metlife since june2022 they are the worst company I have ever encountered. Same problem as others trying to get my elimination 100 days in for my mother. They tell you one thing and another person tells you something different. I’ve been told I could hire an informal caregiver now I’m told I have to go through a licensed agency never speak with the same person and t hey call back when they feel like it. Nobody nows the facts. ICant imagine older people trying to deal wi th what I’m going through . They need to be held accountable .They loose our emails so my husband sends each one twice and I call to confirm they get them .Every agency I have talked with said they are the worst
Did you ever get this issue resolved? Sean like we are experiencing the same issues. Thanks
Our policies have been going up so much every year. We never had to file a claim against this policy. We are just so upset that our policies with Met Life have gone up so much every year. We were sold this policy with our understanding that our premiums wouldn’t go up like it has.
We would like to find out if we qualify on your class action suit.
Sharon & Robert Plotkin
3051 SE Buena Vista Dr.
Palm City, Florida 34990
772-546-9200
I have a old policy I’ve tried to follow up on that was my dads for two years now. They still I don’t think found it? Or they’re lying and denying me payment for 25k. I have canceled checks where he paid for many many years on this.
Inquiring as to any information with respect to the Metlife policyholders denial of claims/LTC excessive premiums increases.