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Category: Consumer Protection Law
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Met Life - Long Term Care Policy - 58% premium increase. All

Resolved Question:

Met Life - Long Term Care Policy - 58% premium increase. All long Term care sales from Met life Halted. Deceptive actuarial sales practices from the beginning? Is there a class action available or is there recourse even though they have a "Premiums can increase at any time statement". By the mere fact that they have halted sales, of course the premiums have to increase to offset claims from a product they should have never started selling in the first place an the lack of exponential cash flow from new policy holders. Please advise
Submitted: 1 year ago.
Category: Consumer Protection Law
Expert:  LegalGems replied 1 year ago.

LegalGems :

Hi! LegalGems here. I have extensive consumer law experience and will use this to assist you with your issue today. Unfortunately, long term care policies have not lived up to their expectations, as evidenced by a class action in Missouri in 2009 where the claimants received a total of $15million to be divided among those plaintiffs, based upon allegations that the insurance company set low premiums and failed to disclose plans to raise premiums. Premiums got to the point where it was unaffordable for most individuals. Other long term care insurance issues include not providing the insured with the required paperwork, sending the wrong forms, delaying approval, and refusing to update policies to include new developments in long term health care, resulting in the exclusion of various types of care. The issues depend on the particular policy and the insurance company's particular practice, however, the basis of the lawsuits are "bad faith". Since this appears to be wide spread, you would best be served by an attorney that specializes in class actions, particularly one with extensive experience on class actions. A website that you can keep an eye on to see if any class action develops is Your attorney general may choose to get involved. Please see this link:,4614,7-147-22854_59633---,00.html As you will see, another company discontinued new policies, yet kept the premium consistent for existing policy holders for 6 years. As an aside, you should review the attached pamphlet to see if your current policy complied with the requirements the state has mandated must be included in the contract. Here is a link to the state bar's referral site: Most attorneys take bad faith insurance claims on contingency, so generally there are no up front costs to the client, particularly if they decide to pursue a class action.

LegalGems :

Did you have any questions on the above?

LegalGems, Lawyer
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Expert:  LegalGems replied 1 year ago.
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