Traumatic Servicemembers' Group Life Insurance provides traumatic injury coverage to all service members covered under the Servicemembers' Group Life Insurance program. The program changed several times as the law evolved, and this is the current description.
From Oct. 7, 2001 through Nov. 30, 2005: All members of the uniformed services who were eligible for full-time or part-time SGLI were automatically covered by TSGLI while the member was in service if injured during this "retroactive period." During this "retroactive period" members were covered even if they declined SGLI. The coverage applied worldwide. (Previously it was only for Operation Enduring Freedom and Operation Iraqi Freedom.)
For injuries on Dec. 1, 2005 or later: All members of the uniformed services who have full-time or part-time SGLI are automatically covered by TSGLI while the member is in service. TSGLI coverage ends at midnight of the last day of service. There is no TSGLI coverage once the member separates or retires. To be covered, the member must have at least the minimum SGLI coverage ($50,000) and pay the automatic monthly TSGLI premium ($1).
Coverage is 24/7 for members eligible for full-time SGLI - generally, active duty or ready reserve members. Part-time TSGLI coverage matches part-time SGLI eligibility - generally, a ready reservist under a call or order that specifies less than 31 days, or the ready reservist is not scheduled to drill at least 12 times during the year.
TSGLI coverage applies for injuries caused by a traumatic event. TSGLI does not apply to illness. Some injuries are excluded, such as self-inflicted injuries.
A "traumatic event" is damage to the body caused by the application of external force, violence, accidental ingestion of a contaminated substance, exposure to the elements or exposure to chemical, biological or radiological weapons.
How much coverage is provided?
When a TSGLI claim is approved, the payment will be $25,000, $50,000, $75,000 or $100,000. $100,000 is the maximum payment for a single traumatic event. The payment is based on the injury or multiple injuries resulting from a single traumatic event.
Which losses are covered?
Visit the SGLI Traumatic Injury Protection Program to learn about which losses are covered. Specific covered losses are listed in the "Schedule of Losses" in Appendix A of the TSGLI Procedural Guide. The schedule lists losses covered and the amount that may be paid.
Certain injuries and conditions are not covered. Contact your service department point of contact for information about these exclusions, available by accessing the TSGLI Points of Contact List.
How does a service member submit a claim for Traumatic Servicemembers' Group Life Insurance?
To make a claim under TSGLI, obtain the claim form online. It is form SGLV 8600 Application for TSGLI Benefits form. Send your claim to the office that handles TSGLI for your branch of service. Your TSGLI office is shown in the TSGLI Points of Contact List at the beginning of the application form. You may also obtain a copy of the form from your branch of service TSGLI office. Or, contact the Office of SGLI by calling 800-419-1473 or by emailing firstname.lastname@example.org.
You complete Part A of the form; your doctor fills out Part B. When both sections are complete, you may submit your claim.
Is there a time limit to make a claim?
There is no time limit. You can still make a claim for a qualifying injury suffered on Oct. 7, 2001 or any time since then. You should know that TSGLI benefit payments do not collect any interest. If you apply now or apply later, the payment will be the same.
Are Traumatic Servicemembers' Group Life Insurance payments taxable?
TSGLI benefits are not taxable.
Where can I get more information?
The Department of Veterans Affairs SGLI website has more information about TSGLI and how to make a claim. You may also contact your service's TSGLI office or the Office of SGLI as noted above.