How to submit a Life claim

Life claims

If you pass away, we want to ensure your beneficiary or family can easily navigate the claims process during a difficult time. This email outlines what they need to know and do to file a claim with MetLife Worldwide Benefits.

How to get started

For Life claims, your employer or beneficiary should submit a claim to MetLife. The first part of the claim form needs to be filled out by the policyholder (employer) and the second, by the beneficiary. Typically the employer will start this process.

If you pass away, your employer or beneficiary should submit a claim to MetLife. Here’s what they’ll need:

Life Claim Form

Reimbursement form

Original Death Certificate

Beneficiary form

Collects information about your policy

Captures payment preferences and banking information

The original death certificate is the official record of death issued by a coroner, county medical examiner, or certified physician

MetLife will confirm beneficiary information with your employer at the time of claim

The Life Claim and Reimbursement forms can be completed digitally and submitted via email or fax. Forms are available on our Claim forms page.

What happens next

Once the claim is submitted:

1. Processing – We review the claim. If additional information is needed, we’ll contact the submitter. Our goal is to process claims within 10 business days once all documentation is received.

2. Confirmation – The submitter will receive an email once the claim is finalized.

3. Payment – Funds are issued based on the preferences in the Reimbursement Form. Timing may vary depending on banking systems, especially for international payments. We’ll check in afterwards to make sure your beneficiary has received payment.

How we help

Beneficiary support

We offer several services to help your loved ones during this time.

Other Life forms available

Other Life forms that are available for download on the Claim Form page include:

Evidence of Insurability (EOI) form – If the coverage amount you request exceeds the Guaranteed Issue, Evidence of Insurability is required. Complete this form if you are requesting a Life insurance amount above your Guaranteed Issue (GI). Read more about Evidence of Insurability.
Beneficiary form – A life insurance beneficiary is the person or entity you designate to receive the death benefit from your policy. To designate a beneficiary, you may use either your company’s beneficiary form or our form below. Once completed, please submit the form to your employer. MetLife will confirm beneficiary information with your employer at the time of claim – you do not need to submit the form to use before then.
Conversion form – If you’re facing changes that will decrease or end your Life insurance with MetLife, you may have the option to ensure continued protection for you and your family. Complete this form if you would like apply to convert your policy to an individual policy so that you don’t lose your coverage. Read more about Conversion.