We secured a $1.1 million life insurance payout for a client after MetLife denied the claim and delayed payment for nearly nine months. The denial was based on an alleged material misrepresentation on the life insurance application. Our client, overwhelmed and worried about losing the benefits they relied on, turned to our legal team for help. Once our experienced life insurance attorneys got involved, MetLife reversed the denial and released the full policy amount—within just four days. This result wasn’t an exception. It was the outcome of experienced legal advocacy that held the insurer accountable.
Why MetLife Delays and Denies Life Insurance Claims
Like many large insurers, MetLife is a for-profit company. That means minimizing payouts is in its financial interest. Over the years, MetLife has used a consistent set of strategies to deny or delay valid claims. Some of the most common tactics we’ve encountered include:
Alleging material misrepresentation on the life insurance application
Invoking misdemeanor or felony exclusions related to accidental deaths
Claiming the insured used drugs, alcohol, or prescription medication at the time of death
Denying accidental death and dismemberment (AD&D) claims based on health-related exclusions
Stating they haven’t received the required documentation—even when they already have it
In many cases, MetLife will request the same documents multiple times, slowing the process and frustrating grieving beneficiaries. But in reality, the insurer often has a signed authorization that allows it to obtain the documents directly. This tactic is designed to shift the burden onto families and dissuade them from pressing forward.
Understanding the Two-Year Contestability Period
Most life insurance policies include a two-year contestability period, during which the insurer can investigate the application for misstatements. If the insured dies within this window, MetLife may try to void the policy based on alleged errors in the application. However, the burden is on MetLife to prove that any misrepresentation was material—that is, it would have affected their decision to issue the policy or set its terms. Moreover, many policies specify that the application contains representations, not warranties. This legal nuance matters. A misstatement must be both material and intentional to justify claim denial. Honest mistakes, such as an overlooked detail about a past doctor’s visit, should not void a valid policy.
Beneficiary Disputes and Claim Delays at MetLife
Another frequent problem in MetLife claim disputes involves conflicting or unclear beneficiary designations. These disputes often arise when:
The insured had divorced or remarried
There were recent changes to the beneficiary form
Competing claims are submitted by relatives or former spouses
MetLife’s internal records are inconsistent or outdated
These issues can lead to the insurer filing an interpleader action, placing the money in court while the parties litigate the dispute. Our attorneys are skilled in navigating these situations, locating controlling documents, and proving the rightful beneficiary’s claim. Whether it’s a contested divorce decree or a forged beneficiary form, we know how to get to the truth. If you need help with denied life insurance in Idaho contact us.
FAQ: MetLife Life Insurance Denials and Delays
Why did MetLife deny my life insurance claim?
MetLife often cites material misrepresentation, drug or alcohol use, or policy exclusions as reasons for denial—even when these claims are questionable or unsupported.
What is a material misrepresentation?
A material misrepresentation is a false statement on the life insurance application that would have affected the insurer’s decision to issue the policy. MetLife must prove it was both false and material.
Can MetLife deny a claim after the contestability period?
Generally, no. After two years, the policy becomes “incontestable,” meaning MetLife cannot deny the claim based on application misstatements unless there is outright fraud.
What should I do if MetLife keeps asking for the same documents?
This is often a delay tactic. Contact a life insurance attorney who can demand answers, track the claim status, and stop the cycle of unnecessary requests.
How do I handle a beneficiary dispute with MetLife?
Work with a lawyer. Beneficiary disputes often involve complex legal and factual issues that must be resolved through court proceedings or detailed investigation.
Can MetLife delay payment without giving a reason?
No. Insurers must provide a written explanation for delays or denials. If they fail to do so, they may be acting in bad faith and can be held accountable.
Does MetLife handle ERISA group life insurance claims differently?
Yes. ERISA claims have strict timelines and rules. Denials must follow a specific appeals process under federal law, and legal representation is often crucial.
Is an honest mistake on the application enough for denial?
Not necessarily. If the error wasn’t material or wasn’t intentional, MetLife may still be required to pay the claim—especially after the contestability period.
Can MetLife reverse a denial?
Yes. With legal pressure and the right documentation, MetLife can and does reverse denials. In our case, they paid the full $1.1 million just four days after intervention.
Should I hire an attorney to deal with MetLife?
Absolutely. Having an experienced life insurance attorney levels the playing field and often speeds up the process. We’ve resolved every MetLife claim we’ve taken on—and we’re ready to help you.