94-year-old woman told 1934 life insurance policy no longer exists

"MetLife agrees that periodic matching of administrative records against available external sources such as the Social Security Death Master File is a best practice and the company is implementing a monthly matching process," the company said.

MetLife agrees to multistate settlement over death benefit claims

only 75% of claims appeared in the SSDMF.
Accuracy of vital status ascertainment using the Social Security Death Master File in a deceased population. - PubMed - NCBI

I was thinking more of this one:
MetLife settles suit, earmarks $1.7 billion for deception claims
 
There is a lot about this that doesnt make sense. Im guessing there is another side to this story other than the big bad insurance company is screwing over this little old lady.

Assuming the policy amount was turned over to the state, they would have sent multiple notices to the Owner of the Policy before doing so.

And what about the annual statements... it doesnt make someone think when you suddenly stop receiving annual info about your policy?

Im the first to admit that carriers can act with incompetence or even with ill intent at times. But personal responsibility almost always plays a part in these situations in my experience. People yell and shout when it blows up, but if its that important, why were they not taking a minimal amount of time/effort to ensure its in good order?? Cuts both ways
 
People move and don't notify the carrier.

Some die and no one knows they have a policy or where it is.

If paid on a bank draft, they change banks and miss/ignore the late notices.

If receiving a paper bill, they miss/ignore the bill and late notice.

The SSMDF is rarely updated on a timely basis and often inaccurate.

There are many things that can happen other than the carrier is trying to screw someone out of $1200.
 
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