Metropolitan did not pay claim

I am so disappointed, I am literally crying as I type this. I am 27 years of age, my mother passed away and had a policy with Metropolitan when I went to claim I was advised the beneficiary is my grandmother.

I did advise that the beneficiary had passed away last year, they said what I can do is do the claim through the funeral parlor, I didn’t even know where to start cause I had never done this before I finally found a parkour and my mother’s body was released from the hospital.

The funeral parlour gave me an invoice to submit to metropolitan at this moment I had already set a date for the funeral because metropolitan was promising. 2 days before the funeral I received a text that the claim did not go through and that I would need to get letter of authority, I was so devastated at this point because how do you advise this 2 days before.

I went to court and the court advised they cannot give me letter of authority I need to get letter of executor in which I need to get a lawyer that I couldn’t even afford so now I was stuck.

I went to the funeral parlor and explained the situation and asked that they bury once metropolitan pays I will pay. I had to bury my mother with a debt. I had to do an affidavit that I will pay at a certain date failure to pay will result in disciplinary action taken against me. All I wanted was to give my mother a good send off but metropolitan did not afford me that opportunity cause I now had to cut costs😭😭😭 I don’t understand why letter of authority was requested when I had my grandmother’s ID and her death certificate to advise she is no more😭😭😭 I had such a bad experience, I don’t know what to do now, at any given point in time I could be arrested for not paying the funeral parlor