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 injury.
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 TSGLI.
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!