MetLife is a large insurance company, providing dental, life, auto & home, and accident & health insurance coverage to over 12 million Americans. One of the best benefits they offer is their accidental death and dismemberment plan, which protects families when an accident or disaster befalls them. According to many customers, the MetLife company has not been upholding its end of this bargain. With millions of complaints filed against the company throughout the years, it is easy to see that there are a lot of people who feel disappointed and are opting to cancel MetLife subscriptions. The most common complaints against MetLife are that they fail to provide coverage for the death or dismemberment of a person. This means that if you were paying your premiums and suddenly lost your life from an accident, MetLife would not pay your family the money that was guaranteed by the contract. It is hard enough to lose a loved one under any circumstances, but to also be forced to fight with an insurance company that won’t pay up is devastating. Read our detailed guide on MetLife insurance claims payout policy to understand your rights and see what steps you can take. If MetLife is giving you trouble and refusing to live up to its promises, this article will show you how to file complaints against the company and, if need be, take them to small claims court.
There are a number of different ways to contact MetLife, depending on the type of insurance you have a complaint about. If you’re yet to file your claim, check out this guide to learn how to file MetLife insurance claims fast . If you’ve successfully filed the claim, but the company refuses to pay up, there are several phone numbers you can call for all the different areas of interest, from life insurance to group services.
The phone numbers for auto and home insurance are the same, but there are two different numbers you can dial depending on whether you’ve purchased the plan on your own or you got the insurance coverage through an employer.
Here are the numbers you can call:
Alternatively, you can dial 1-877-638-2862 and set up an appointment with the company's customer service representative. They will call you back at the agreed-upon time, and you'll have a chance to explain the issue in detail.
If you prefer emailing your complaint, you can do so through an online form on MetLife's website. You'll have an opportunity to explain the issue in detail and choose whether you would like to receive a response via mail or have the company's representative call you.
Here’s a table with a summary of all the contact methods available to you:
Regardless of which option you choose, it's unlikely you'll get an easy resolution to your problem. Customers report that MetLife's support agents are difficult to work with and often just lead you in circles when you're trying to get the information you need.
If the customer service representative is not able to provide a solution to the problem you're facing, you should be able to ask for a supervisor or manager, but this further delays problem resolution.
If you can't get a satisfactory answer from the company or if MetLife outright refuses to honor the contract, you should contact one of the agencies tasked with protecting consumer rights.
The agencies you can contact are:
The NAIC is the primary organization tasked with protecting consumers. If you are not satisfied with the service or product you received from MetLife, you can mail your complaint letter to:
816 W. Washington Street, Suite 100
Topeka, KS 66603
Alternatively, you can explain the issue over the phone by dialing 816-783-8500 (choose option 1) or send an email to info@naic.org.
The NAIC has a complaint procedure for consumer complaints and works to resolve issues within reasonable time frames. If you experience issues with MetLife and have tried to solve them on your own, please consult the NAIC Help page for other available contact methods.
They will put you in contact with a representative from MetLife, who will look into your claims and gather information about the problem. The NAIC ensures that insurance companies handle complaints properly. If they don't respond to your claims or if they are unresponsive, the NAIC may take steps to resolve the problem.
If the NAIC is not able to provide you with a reasonable resolution or if you are not satisfied with the services you received from MetLife, you can contact the BBB and file a complaint. T
The BBB has an online complaint form that consumers can use to report their grievances about MetLife.
The FTC is the federal agency responsible for protecting the public from deceptive business practices.
If you are not happy with MetLife's services or if you have experienced any type of deception, unfair business practices, or infractions, you can contact the FTC and file a complaint.
If you've tried everything and MetLife still refuses to live up to their insurance contract with you, it's time to bring your complaint before a judge.
Generally, the courts’ small claims limit is $5000 for property damage or theft, $10,000 for breach of contract, and $2,500 for personal injury.
To start the process against MetLife, you must first file a complaint with the small claims court of your home state. You can visit the court in person and file the claim with the court clerk's office or look for an online form on the court's website.
Apart from filing your claim, you'll also have to send a professional demand letter to the company. The letter informs the company that you're willing to pursue action and gives them one final opportunity to pay you the damages and settle the matter outside of court.
You need to include the following information in your demand letter:
Once you've sent your letter, you'll have 30 days to file a claim with the court. If MetLife doesn't respond within that time period, you can proceed with action against them.
You don’t need to spend a small fortune on lawyers to force the insurance company to honor their part of the bargain. There’s also no need to spend weeks deciphering the contract, putting together all the required documents, and submitting a dozen different court forms.
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All you need to do to file your claim is follow these five steps:
That’s it! DoNotPay will send a demand letter to the company with all the relevant details and a 14-day deadline to provide an official response. If the company doesn’t respond or refuses to pay you what you’re owed, you’ll have everything ready to take the case to court.
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