Servicemembers’ Group Life Insurance Traumatic Injury Protection, known as TSGLI, provides traumatic injury coverage to all service members covered under the Servicemembers’ Group Life Insurance program. The program's short-term financial assistance to severely injured service members and veterans helps them during their recovery from traumatic injuries. Learn when you are eligible for TSGLI coverage, what TSGLI covers and how to file a claim so you can rest assured that you will be financially covered in the event of a traumatic injury.
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What is the Servicemembers’ Group Life Insurance Traumatic Injury Protection?
Servicemembers’ Group Life Insurance Traumatic Injury Protection is a rider that provides payment to service members who are severely injured and suffer a loss because of a traumatic event that occurred in service. Service members who are insured full time under the SGLI program are automatically enrolled in TSGLI.
Who is eligible for coverage and payments?
To be eligible to receive a TSGLI payment, you must meet all the following requirements:
- Be insured under SGLI when you experience a traumatic injury
- Incur a scheduled loss as a direct result of a traumatic injury
- Suffer the traumatic injury before separating from the uniformed service
- Suffer a scheduled loss within two years of the traumatic injury
- Survive for at least seven full days from the date of the traumatic injury
Payments are based on the injury or multiple injuries resulting from a single traumatic event. This benefit is retroactive for service members who suffered severe losses because of traumatic injuries incurred between Oct. 7, 2001, and Nov. 3, 2005, regardless of whether they had SGLI coverage at the time of the traumatic injury and regardless of the geographic location where the injury happened.
What is considered a "scheduled loss" covered by TSGLI?
The traumatic injury protection coverage applies to injuries caused by a traumatic event, but it doesn’t apply to illness or self-inflicted injuries. Below is a list of scheduled losses:
- Total and permanent loss of sight, hearing or speech
- Complete paralysis of one or more limbs
- Burns that are second-degree or worse
- Amputation of fingers because of an injury
- Amputation of a foot because of an injury
- Amputation of toes because of an injury
- Injury requiring facial-reconstruction surgery
- Injury in which the service member elects a series of operations to save a limb instead of amputation
- Coma from traumatic injury
- Inability to perform at least two activities of daily living because of traumatic injury
- Traumatic brain injury that requires at least 15 days of hospitalization
- Genitourinary losses because of injuries
How does a service member submit a claim for TSGLI?
To make a claim under TSGLI:
You may also get a copy of the form from your branch of service point of contact, or by contacting the Office of SGLI at 800-419-1473 or by email at osgli.claims@prudential.com. There’s no time limit for making a claim, and you can still make a claim for a qualifying injury suffered on or after Oct. 7, 2001.
Contact your service point of contact or the Office of SGLI if you need more information or help with your TSGLI claim. The Department of Veterans Affairs offers free financial counseling services to TSGLI beneficiaries through FinancialPoint, a 24/7 professional financial planning and will-preparation service for SGLI beneficiaries.