Traumatic Servicemember Group Life Insurance or TSGLI
provides payment to Servicemembers who are injured, on or off duty, as the
result of a traumatic event and suffer a qualifying loss. Every servicemember who has SGLI also has
TSGLI. If you are unsure, a quick check
of your LES will show a $1.00 deduction for the TSGLI coverage.
Every member who has SGLI also has TSGLI effective December
1, 2005. This coverage applies to active duty members, reservists, National
Guard members, funeral honors duty and one-day muster duty.
This benefit is also provided retroactively for members who
incurred losses as a result of traumatic injuries between October 7, 2001 and
November 30, 2005, regardless of the geographic location where the injury
occurred, and regardless of whether they had SGLI coverage at the time of their
Effective October 1, 2011, Section 408 of the Veterans’
Benefit Improvement Act of 2010 removed the requirement that injuries during
the retroactive period be incurred in Operations Enduring or Iraqi Freedom.
The categories of losses endured from these traumatic
injuries covered are:
1) Sensory Losses
5) Limb Salvage
6) Facial Reconstruction
7) Activities of Daily Living
8) Inpatient Hospitalization
9) Genitourinary Losses
Needing the assistance with the activities of daily living is often overlooked by current service members and veterans. Some are unsure if they qualify for
A member is considered to have a
loss of ADL if the member REQUIRES assistance to perform at least one of six
activities of daily living. Such help
may include removing clothing to bathe, help in and out of the bathtub, putting
on socks and shoes for someone in a leg brace, stand by assistance for vision
or hearing injuries, and so on. Other examples are eating, bathing, dressing,
toileting, transferring (moving in and out of bed or a chair) and continence
(managing or controlling bladder and bowel functions).
Even if you have
already been denied TSGLI benefits, we can look into all the options available
to you. There are routes for reconsideration available to you. In fact, the
TSGLI procedure manual specifically grants soldiers the right to pursue legal
action if they have been incorrectly denied benefits. You volunteered to serve
our great nation and deserve the benefits owed to you. Let us serve you by helping you with your
TSGLI claim and Contact us today!