FAQ

The Traumatic Injury Protection Under Servicemembers’ Group Life Insurance (TSGLI) program is a rider to Servicemember’s Group Life Insurance (SGLI). The TSGLI rider provides for payment to Servicemembers who are severely injured (on or off duty) as the result of a traumatic event and suffer a loss that qualifies for payment under TSGLI.

TSGLI payments are designed to help traumatically injured Servicemembers and their families with financial burdens associated with recovering from a severe injury. TSGLI payments range from $25,000 to $100,000 based on the qualifying loss suffered.

Every member who has SGLI (Servicemembers Group Life Insurance) also has TSGLI effective December 1, 2005. TSGLI coverage is also provided retroactively for members who incurred severe losses as a result of traumatic injuries incurred between October 7, 2001 and November 30, 2005, if the injury were incurred in Operation Enduring Freedom (OEF) or Operation Iraqi Freedom (OIF), regardless of whether they had SGLI coverage at the time of their injury.

Categories of Losses Covered under TSGLI

  • Sensory Losses
  • Burns
  • Paralysis
  • Amputation
  • Limb Salvage
  • Facial Reconstruction
  • Activities of Daily Living (ADL)
  • Inpatient Hospitalization
  • Male and Female Genitourinary

If you were denied for TSGLI benefits, you have the right to appeal. There are four levels of appeal, and our office has won at each level. The TSGLI guidelines say you have one year from the date of decision to appeal, but this is a soft rule. In most cases, we can submit an appeal after the one year period. Please call our office for more information.

  • Intentionally self-inflicted injuries or attempt to inflict such injury.
  • Use of an illegal or controlled substance that was not administered or consumed on the advice of a medical doctor.
  • Diagnostic procedures, preventive medical procedures such as inoculations, medical or surgical treatment for an illness or disease, or any complications arising from such procedures or treatment.
  • A traumatic injury sustained while committing or attempting to commit a felony.
  • A physical or mental illness or disease (not including illness or disease caused by a wound infection, a chemical, biological, or radiological weapon, or the accidental ingestion of a contaminated substance).

Payment amounts are betweeen $25,000. and $100,000. depending on the loss. A full payment schedule is posted on the VA website goo.gl/5HUkf8.