Who is covered under TSGLI? When does my coverage end?
There are a lot of things to know when considering who is covered under TSGLI. TSGLI coverage is automatic for those members insured under Servicemembers Group Life Insurance (SGLI). SGLI is a program that provides low-cost term life insurance coverage to eligible Servicemembers. If eligible, you are automatically issued the maximum SGLI coverage. If you qualify for SGLI, you are automatically enrolled and do not need to apply for coverage.
You are automatically insured under full-time SGLI if you are one of the following:
- Active duty member of the Army, Navy, Air Force, Marines, or Coast Guard
- Commissioned member of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS)
- Cadet or midshipman of the U.S. military academies
- Member, cadet, or midshipman of the Reserve Officers Training Corps (ROTC) engaged in authorized training and practice cruises
- Member of the Ready Reserve or National Guard and are scheduled to perform at least 12 periods of inactive training per year
- A servicemember who volunteers for a mobilization category in the Individual Ready Reserve (IRR)
If you decline SGLI, you are also declining TSGLI coverage. You cannot choose to decline TSGLI coverage only.
Ending TSGLI Coverage
TSGLI coverage will end due to any event that causes your SGLI coverage to end. TSGLI coverage ends due to the following events:
1) You elect to decline SGLI coverage (SGLV form 8286)
When you decline SGLI coverage by completing an SGLV Form 8286, your SGLI coverage and TSGLI coverage stays in effect until midnight of the last day of the month in which you decline coverage. A premium for TSGLI is due for the month in which you, the member, decline coverage. No further premiums are due until such time as you restore SGLI coverage.
Example: A member submits SGLV Form 8286 to the unit on the 15th of the month to decline SGLI coverage. A premium is deducted from the member’s pay for both SGLI and TSGLI for that month. The member loses a leg as a result of a car accident on the 25th of the same month. The member is still covered under TSGLI and will receive payment of $50,000 for the loss of the leg.
2) You are Discharged From Service
When you are discharged from service, TSGLI coverage stays in effect until midnight of the day of discharge. TSGLI coverage is not in effect during the 120-day post-separation period or during a 2-year SGLI Disability Extension. A premium is due for the month in which you, the member, are discharged. No further premiums are due.
A premium for TSGLI and SGLI is due for the month of the death. No further premiums are due.
Cameron Firm, PC. specializes in TSGLI cases and can take TSGLI cases from anywhere in the U.S. Cameron Firm PC has certified Veteran Appeals Lawyers on staff who will fight with you to secure the benefits you deserve. We understand the sacrifices you have made.
If you or a loved one were a victim of a traumatic injury while serving in the military, we can help with your TSGLI claim. Call 800-861-7262 or submit our secure online claim form for a prompt reply.
This article is for educational and marketing purposes only. It does not create an attorney-client relationship