One star is the least you can give them.
Husband has income protection insurance with a three month waiting period. Found out after lodging claim that Hostplus contract their assessment work out to Metlife. Hostplus sat on the claim for three weeks before handing it to Metlife, Metlife have two months from when THEY receive it to action it. Slow a snails. Finally got them to the point of looking at the information, then they said they would need info from the doctor, would send the request to him and he would have it by Friday. On Friday they sent their request to THEIR contractor to ...send to the doctor, doctor still doesn't have the request today, a week after Metlife promised to send it. What happens if they don't make a decision by the due date? You can ask AFCA to investigate, but then they have three months. Husband has already been without income for almost five months now, we could be looking at another four months from here - and he has been PAYING FOR THIS INSURANCE!!!! In the meantime, COVID19 has struck, and both Hostplus and Metlife are trying to blame in the increase in workload on that, but hubby's claim was lodged before that became an issue, so it really shouldn't matter, but they will make sure it will. What do people live on for 9 months without income? We have gone through all our savings, have redrawn on our mortgage, and don't know what will happen when we max that out. What's the point of having a job and paying for insurance? We'd be better off financially if I gave up my job and we both joined the Centrelink queue!! Hostplus and Metlife would apparently prefer that the taxpayer support us, rather than we be productive members of the community, with one of us needing temporary support THAT HAS BEEN PAID FOR.
- Verified customer
MetLife will deny your claim, then advise you that you are a fraud
My policy was part of a group insurance policy for NSW Police officers via First State Super. I made a claim in 2015; for TPD. MetLife denied they were the insurer for two years. Once the Government Overseer became involved they admitted they were the insurer, then denied my claim as I travelled overseas. Despite the fact I had to purchase business class tickets and get special permission to travel with restricted pain killers.four years and still counting looks like we will have to go to court.
After holding insurance with CareSuper through Metlife for a number of years I get a notice from my super fund advising the premiums have doubled. They are using the change in super legislation as the excuse to gouge.
- Verified customer
Metlife certainly will not help you through a difficult period and fails in Customer Service.
Emotionally ruined by Metlife Staff. I like to begin by saying that each case is different for each person who submits a claim to Metlife and this is based on my experience with the Customer Service of Metlife and the process of the claim’s final decision.
Metlife quotes on their website the following:
“Income Protection can help get you through a difficult period, without having to eat into your savings or rely on outside help – so a temporary setback doesn’t put you behind for years.” This is not true at all and is a false statement and ...
Judgmental, awful time-wasters who take ages to do anything
I'm a finance professional taking out income protection insurance to protect my family if I have a car accident or something. I started my request for income protection insurance in May. They pulled my full medical file. Then, in August, they called to 'interview' me (I was going for a walk at the time). Turns out they won't cover me because I'm overweight, despite the fact I am young and healthy. I said they were welcome to exclude weight-related issues (because it's not fat) and they said they won't do that. So here I am, fit, healthy and goi...ng for a walk in my lunch break, literally no one I know would describe me as obese (I'm very healthy, perhaps jsut a little more muscular that your average person), but because of my BMI, even though it's not fat-related, they can't insure me. I knew my weight in May when we initiated the request for cover (I monitor my weight and fat% for training purposes). If they were always going to exclude me based purely on my BMI, it would have taken a 5 minute conversation then. But no, they needed my medical file, 3 months, and information about my wife and I struggling to conceive from the doctor, too. Honestly, they should have said "your BMI will exclude you" the second I called them, not pulled confidential medical files that are totally irrelevant and not wasted more than an hour of my time on the phone. Not only that, but the lady was quite defensive and judgmental when I was trying to explain that I'm muscular, not fat. I don't think she believed me. I wish I could send that awful woman a photo of me! Anyway, their loss. TAL signed me up in half a day and were much less judgmental, their premiums are cheaper and they cover more. BAD experience with metlife. They cover me for TPD and Death as well but I will be immediately moving my cover based on this experience.
- Verified customer
Discarded like trash.
It's only fair to fellow consumers that I share my experience with this company to ensure they make an informed decision. I applied for life insurance via my superannuation provider and on the application form I did the right thing and mentioned the fact that there was a family medical condition as required, however not that it's impacted me. After clicking submit I was rejected straight away and now blacklisted by the company, very poor business morals, no follow up, no medical, disgusting.
worse insurance company ever
Declined to pay out on IP & TPD claims. Took 1/5 medical reviews and used it to decline. Even ignored medical review they arranged themselves. Statewide super also supported Metlife in declining. They did offer 30% of claim value to settle while denying liability. That was refused. Of course everything is offered on a confidential, nil liability basis. Suggest if you have a settlement conference you tape record it.
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