Traumatic Injury Protection
Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) provides automatic traumatic injury coverage to all Servicemembers covered under the SGLI program. It provides short-term financial assistance to severely injured Servicemembers and Veterans to assist them in their recovery from traumatic injuries. TSGLI is not only for combat injuries, but provides insurance coverage for injuries incurred on or off duty. The following is a summary of Traumatic Injury Protection:
- TSGLI Eligibility
- Traumatic Injury Protection Coverage
- TSGLI vs. Disability Compensation
- TSGLI Provisions
- More Information
If you are insured under full-time SGLI, you are automatically covered by TSGLI. TSGLI coverage applies to active duty members, reservists, National Guard members, funeral honors duty and one-day muster duty.
To be eligible for payment of TSGLI, you must meet all of the following requirements:
- You must be insured by SGLI when you experience a traumatic injury
- You must incur a scheduled loss and that loss must be a direct result of a traumatic injury
- You must have suffered the traumatic injury prior to midnight of the day that you separate from the uniformed services
- You must suffer a scheduled loss within 2 years (730 days) of the traumatic injury
- You must survive for a period of not less than seven full days from the date of the traumatic injury (The 7-day period begins on the date and time of the traumatic injury, as measured by Zulu [Greenwich Meridian] time and ends 168 full hours later)
This benefit is also provided retroactively for Servicemembers who incurred severe losses as a result of traumatic injuries incurred between October 7, 2001 and November 30, 2005, regardless of the geographic location where the injury occurred, and regardless of whether coverage was in effect at the time of injury. Effective October 1, 2011, the Veterans' Benefit Improvement Act of 2010 removed the requirement that injuries during the retroactive period be incurred in Operations Enduring or Iraqi Freedom.
All servicemembers eligible for SGLI are insured for traumatic injury protection of up to $100,000 unless they decline SGLI coverage. A flat monthly premium of $1.00 will be added to the monthly SGLI deduction, regardless of the amount of SGLI coverage that the servicemember has elected.
TSGLI is not disability compensation and has no effect on entitlement for compensation and pension benefits provided by the Department of Veterans Affairs or disability benefits provided by the Department of Defense. It is an insurance product similar to commercial dismemberment policies.
TSGLI provides money for a loss due to a specific traumatic event while disability compensation is intended to provide ongoing financial support to make up for the loss in income-earning potential due to service-connected injuries.
TSGLI has a retroactive provision that provides any servicemember, who suffers a qualifying loss between Oct. 7, 2001, and Dec. 1, 2005, will receive a benefit under the TSGLI program if the loss was a direct result of injuries incurred in Operation Enduring Freedom or Operation Iraqi Freedom.
The Department of Defense developed this program in close coordination with the Department of Veteran's Affairs. The Office of the Under Secretary of Defense for Personnel and Readiness will closely monitor implementation with the services and make necessary adjustments if required.
For more information, see the VA's TSGLI Page.
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