Servicemembers’ Group Life Insurance Traumatic Injury Protection (TSGLI)
Benefit Fact Sheet
Servicemembers' Group Life Insurance 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 Reserve Soldiers who sustained a traumatic injury prior to separating from service may be eligible for a TSGLI payment.
You may be able to get TSGLI if you were insured by SGLI when you experienced a traumatic injury, and you meet all of the requirements listed below.
All of these must be true. You:
Have a scheduled loss that is a direct result of the traumatic injury, and
Suffered the traumatic injury before midnight on the day that you left the military, and
Suffered a scheduled loss within 2 years (730 days) of the traumatic injury, and
Have survived for a period of not less than 7 full days from the date of the traumatic injury (the 7-day period begins on the date and time of the traumatic injury and ends 168 full hours later), and
Were an active-duty military member, a Reservist, a National Guard member, on funeral-honors duty, or on 1-day muster duty
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: