Are You Eligible For A TSGLI Claim?
Written by Christopher J. Brochu
TSGLI (also known as Servicemembers’ Group Life Insurance Traumatic Injury Protection) provides short-term financial support to help eligible service members recover from a severe injury. If you were covered by SGLI and experienced a traumatic injury while serving in the military, find out how to file a claim for TSGLI or appeal a past decision.
TSGLI Eligibility:
- You may be eligible to get TSGLI if you were insured by SGLI when you experienced a traumatic injury, and you meet all the requirements listed below.
- All of the following must be true:
- You suffered a scheduled loss that is a direct result of the traumatic injury, and
- You suffered the traumatic injury before midnight on the day that you left the military, and
- You suffered a scheduled loss within 2 years (730 days) of the traumatic injury, and
- You 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
- You were an active-duty military member, a Reservist, a National Guard member, on funeral-honors duty, or on 1-day muster duty.
Are There Any Injuries Excluded From TSGLI?
- Yes. To qualify for TSGLI, none of the descriptions below can be true:
- Your injury was sustained was self-inflicted on purpose or the result of an attempt at self-injury, or
- Your injury involves the use of an illegal drug or controlled substances that was given or taken without the advice of a medical doctor, or
- Your injury was the result of medical or surgical treatment of an illness or disease, or
- Your injury was sustained while you were committing a felony, or
- Your injury was the result of a physical or mental illness or disease (not including illness or disease caused by a wound infection, a chemical, biological, or radiological weapon, or accidental swallowing a contaminated substance).
- Yes. To qualify for TSGLI, none of the descriptions below can be true:
Is TSGLI Retroactive To Past Injuries?
- You may be able to qualify for retroactive TSGLI benefits (plainly, if TSGLI was enacted after you sustained your injury) if you were injured between October 7, 2001, and November 30, 2005, and you meet all of the TSGLI qualifications listed above.
- You can qualify for TSGLI benefits no matter where your injury occurred – whether you were injured on or off duty – and no matter if your SGLI coverage was in effect when you got injured.
- NOTE: The requirement that a service member is injured while on duty during Operations Enduring or Iraqi Freedom (OEF or OIF) has been removed.
Who Is Covered By TSGLI?
- Servicemembers that have SGLI coverage.
What Kind Of Life Insurance Benefits Can I Get For TSGLI?
You may get $25,000 to $100,000 in short-term financial support to help in your recovery from a traumatic injury.
The consecutive days are:
- 30-days = $25,000
- 60-days = $50,000
- 90-days = $75,000
- 120-days = $100,000
Brochu Law, PLLC represents TSGLI Claims on a contingency fee basis. There is no fee unless you win. We advance all costs on behalf of military families and consumers.
Brochu Law, PLLC represents military families and consumers nationwide*
*Disclaimer –Christopher J. Brochu, Esq. is licensed to practice law in the State of Florida. Brochu Law, PLLC works with co-counsel in accordance with state and federal law.
The Reasons for Your TSGLI Denials – ADL Loss
TSGLI applications can get denied for many reasons. Some of the most common seem to revolve around the loss of activities of daily living (ADL). Typically, if a service member files a TSGLI claim for a loss of limb or severe injury, their TSGLI claim may be paid without the need for reconsideration and/or appeals. Unfortunately, one of the more difficult qualifying losses to prove revolves around ADLs.