Traumatic Servicemembers' Group Life Insurance (TSGLI)
Army Reserve: Retired
Benefit Fact Sheet
Traumatic Injury Protection (TSGLI) is a rider to Servicemembers' Group Life Insurance (SGLI) that provides automatic traumatic injury coverage to all Service members 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.
Retired Soldiers are not eligible for TSGLI as they are not eligible for SGLI (click here to see the SGLI fact sheet).
However, former National Guard Soldiers who sustained a traumatic injury prior to separating from service and during the retroactive period may be eligible for a TSGLI payment. To be eligible for TSGLI payments Soldiers must meet the following criteria:
- The Soldier must have been 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 Soldiers must have incurred 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 the 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 Service members 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.
For more information, see the Army HRC TSGLI website:
TSGLI website maintained by the Veterans Affairs (VA):
Online Resource for Americans with Disabilities:
Document Review Date: 14 December 2016