I’m dealing with a frustrating situation and could use some advice. My mom passed away on July 3rd, and I filed a claim with MetLife shortly afterward. It’s been nine business days now, and they initially told me it would take about five business days to process the claim.
Here’s the issue: my sister and stepdad, who are the only other beneficiaries, received their checks days ago. They submitted their claims in the late evening of July 10th, while I submitted mine first thing on July 11th. Despite this, my check hasn’t even been processed yet.
We were worried the claim might be denied due to my mom’s cause of death being alcoholic cirrhosis, but since the other two beneficiaries received their checks quickly, it seems the policy did cover that. I’ve submitted all required documents, and MetLife customer service confirmed they don’t need any additional information from me or my employer.
I’ve called multiple times, and they keep saying, “It’s almost done processing! Call back tomorrow if you don’t hear anything.” Is this a common issue? Could MetLife approve a claim for some beneficiaries but deny it for others? I’m really nervous because we can’t pay for her services until I receive this money, and I feel like I can’t even begin to grieve properly until this is resolved.
I’m really sorry you’re going through this. It’s certainly frustrating to be in a situation where you’re waiting for a claim to be processed while others have already received their payments. MetLife should generally handle all claims fairly and consistently, so it’s unusual for them to approve a claim for some beneficiaries but not others under similar circumstances. The delay might be due to a variety of reasons, including internal processing issues or administrative errors. Since you’ve already confirmed that MetLife doesn’t need any additional information from you and you’ve called multiple times without resolution, it might be helpful to escalate the issue. You could request to speak with a supervisor or a claims manager who might have more insight into the delay. Additionally, documenting all communications with MetLife and following up persistently could help expedite the resolution. If the situation doesn’t improve, considering legal advice or contacting your state’s insurance commissioner might be necessary to ensure your claim is processed fairly and promptly.
Your MetLife claim might be taking longer to process because the company needs more information from your dentist or other sources. They aim to handle claims quickly and accurately, but some cases are more complex and take extra time to review.
I understand how frustrating and stressful this situation can be, having faced similar issues with insurance claims. When dealing with delays, especially when you’ve followed all the procedures and submitted all required documents, it can be disheartening. From my experience, insurance companies sometimes have varying processing times for different claims, even if they appear to be similar. It’s not typical for a company to approve some claims and deny others without clear communication, especially if all required information is provided. Continue to follow up with MetLife, escalate the issue to a supervisor if necessary, and keep detailed records of all communications. Additionally, you might want to ask for a specific timeline or a formal explanation for the delay. Your situation is understandably urgent, and getting clarity can help you move forward with the necessary arrangements for your mom.