Traumatic Servicemembers' Group Life Insurance (TSGLI)

Regular Army: Active Duty

Benefit Fact Sheet

Summary

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.

Eligibility

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

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.

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: https://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 $25.00 (effective July 1, 2019) 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.

The TSGLI Application has two parts:

  • Part A is to be completed by the Service member or, if incapacitated, by the member's guardian, or the member's attorney-in-fact.

  • Part B is to be completed by the attending medical professional.

Once both parts of the application are completed, the application should be sent to the appropriate branch of service TSGLI office listed on the first page of the application.

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 midnight of the last day of the month in which the form is received.

Additional Information

For more information, see the Army HRC TSGLI website:
https://www.hrc.army.mil/content/Traumatic%20Servicemembers'%20Group%20Life%20Insurance

TSGLI website maintained by the Veterans Affairs (VA):
https://www.va.gov/life-insurance/options-eligibility/tsgli/

Online Resource for Americans with Disabilities:
https://www.dol.gov/odep/topics/disability.htm

Document Review Date: 17 March 2020