Traumatic Servicemembers' Group Life Insurance (TSGLI)

Regular Army: Active Duty

Benefit Fact Sheet

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Summary:

Traumatic Injury Protection (TSGLI) is a rider to Servicemember's Group Life Insurance (SGLI) that provides automatic traumatic injury coverage to all Service members covered full-time or part-time under the Servicemembers' Group Life Insurance (SGLI) program. The TSGLI rider provides payment to Service members who are severely injured (on or off duty) and suffer a loss as the result of a traumatic event. Effective October 1, 2011, the Veterans' Benefits Improvement Act of 2010 removed the requirement that injuries during the retroactive period must be incurred in Operation Enduring or Iraqi Freedom. Qualifying Soldiers who receive a TSGLI payment can spend the money at their own discretion.

Eligibility:

Soldiers who are covered under SGLI are also covered under TSGLI. Click here to see the SGLI fact sheet.

To be eligible for TSGLI payments Soldiers must meet the following criteria:

  • The Soldier must be insured by SGLI if injured as a result of a traumatic event on or after December 1, 2005. SGLI coverage is not required to be eligible between October 7, 2001 and November 30, 2005.
  • The Soldier must incur a scheduled loss and that loss must be a direct result of a traumatic injury. The Soldier must have suffered the traumatic injury prior to midnight of the day of separation from the uniformed services.
  • The Soldier must suffer a scheduled loss within 2 years (730 days) of the traumatic injury.
  • The Soldier must survive for a period of not less than seven full days from the date of the traumatic injury.

TSGLI is also provided retroactively to Servicemembers who incurred a qualifying severe loss as a result of traumatic injuries incurred 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.

Benefit Highlights:

TSGLI Coverage Available: Soldiers covered under SGLI are also covered under TSGLI. The TSGLI coverage will pay a benefit of between $25,000 and $100,000 depending on the loss directly resulting from the traumatic injury. The list of injuries was expanded in 2008 to include, among other things, coverage of partial amputation of the foot and hands, improved coverage of injuries based on severe burns, and a payment of $25,000 to those injured members who are hospitalized for a period of 15 consecutive days as a result of a traumatic injury. The full schedule of losses is available at: http://www.benefits.va.gov/insurance/tsgli_schedule_Schedule.asp

The premium for TSGLI is a flat rate of $1 per month for most Service members. Members who carry the maximum SGLI coverage of $400,000 will pay $27.00 per month for both SGLI and TSGLI.

Applying for TSGLI: All Soldiers who are covered by SGLI are eligible for TSGLI coverage, regardless of where their qualifying traumatic injury occurred. However, TSGLI claims require approval. To file a claim for TSGLI benefits, Soldiers should download and complete form SGLV 8600 (Application for TSGLI Benefits). They should submit the claim, along with pertinent supporting medical documentation, to the Army TSGLI office. Click here for the TSGLI instructions page.

To Reduce or Cancel SGLI Coverage: To reduce or cancel your SGLI, you must complete and file a form SGLV 8286 (Servicemembers' Group Life Insurance Election and Certificate). If you reduce or cancel SGLI on the first day of duty, your election will be effective immediately. If you make an election after the first day of duty, it will be effective at the end of that month.

Additional Information:

For more information, see the TSGLI website:

https://www.hrc.army.mil/TAGD/TSGLI

TSGLI website maintained by the Veterans Affairs (VA):

http://benefits.va.gov/insurance/tsgli.asp

Online Resource for Americans with Disabilities:

https://www.disability.gov/

Document Review Date: 20 November 2014