When the interpretation of a MetLife benefit comes into question, Metlife telephone counselor advice "is not authoritative". The plan brochure "is not authoritative". The benefit plan "is not authoritative". Thus the interpretation of a benefit is subjective to a benefits approval board. I wrote several letters to MetLife, appealing a denial of an orthodontic benefit which they claimed was excluded. The exclusion was not clear in any material nor was it understood by the counselor. Thus MetLife repeatedly refused my... read full review »