Were you injured during your period of service?
Did your injury occur on or after October 7, 2001?
Was your injury severe?
If you answered “yes” to any of the above questions, you may be entitled to a lump sum payment of $25,000 to $100,000.
Disability Law Claims encourages service members who meet the above requirements to contact our Traumatic Servicemembers’ Group Life Insurance (TSGLI) department for a free consultation to determine your eligibility for retroactive benefits.
Who qualifies for TSGLI benefits?
TSGLI coverage is provided to servicemembers who are insured by Servicemembers’ Group Life Insurance (SGLI) at the time of their injury. This one-time benefit is for service members injured in combat or on or off duty, regardless of geographic location.
The injury must have occurred between October 7, 2001 and November 30, 2005 and must have resulted in a “scheduled loss.”
Scheduled Losses Covered By TSGLI
The VA recognizes the following scheduled losses:
- loss of sight (permanent or lasting at least 120 days);
- total and permanent loss of hearing;
- total and permanent loss of speech;
- paralysis of one or multiple limbs;
- burns (2nd degree or worse, covering at least 20 percent of the face or body);
- amputation or salvage of a limb;
- facial reconstruction;
- coma from traumatic injury;
- traumatic brain injury (resulting in inability to perform two or more activities of daily living);
- hospitalization for at least 15 consecutive days; and genitourinary losses.
There may be additional criteria to define each type of loss; the scheduled losses are defined on the VA’s TSGLI website.
Frequently Asked Questions about TSGLI Benefits
Did my injury have to occur while I was on duty?
No. You may be eligible for TSGLI benefits whether you were on duty or off duty.
Can I collect TSGLI benefits if I am the surviving spouse/dependent of an eligible veteran?
In some cases, yes. The servicemember must have survived at least seven days after suffering the injury to become eligible for benefits. You also must be listed on the servicemember’s SGLI policy as beneficiary.
Who is covered by TSGLI?
Anyone who is automatically insured under full-time SGLI. This includes active-duty members, reservists, National Guard members, funeral honors duty and one-day muster duty.
What actions may disqualify a scheduled loss from being eligible for TSGLI?
If the injury occurred due to any of the following circumstances, it will negate your eligibility for TSGLI:
- self-inflicted, intentional injury or attempt at self-injury;
- use of an illegal or controlled substance administered without the advice of a medical doctor;
- medical or surgical treatment of an illness or disease;
- injury sustained while committing or attempting to commit a felony; and
a physical or mental illness or disease not caused by a wound infection, chemical/biological/radiological weapon, or accidental ingestion of a contaminated substance.
How much can I receive from a TSGLI claim?
The benefit amount is a one-time payment that is calculated based on the type of loss. For example, the total and permanent loss of hearing in one ear will entitle you to a benefit of $25,000, while complete paralysis of both lower limbs will entitle you to a $100,000 benefit.
Can I claim more than one scheduled loss?
Yes. You may claim multiple injuries related to a traumatic injury on one application, but the total payment amount will not exceed $100,000. An example would be a head injury in which you lost hearing in both ears and underwent jaw reconstruction. The hearing loss pays benefits of $100,000 and jaw reconstruction pays $75,000, but you will only be able to collect up to the cap amount of $100,000.
What is an “Activity of Daily Living”?
An activity of daily living (ADL) is an activity necessary for normal daily care and life. Examples of these activities include bathing, dressing, eating, toileting and transferring. If you require verbal, stand-by or verbal assistance to complete any of these self-care tasks for longer than 30 days, you are determined to be unable to perform that ADL.
I require special equipment to perform some ADL; do I still qualify?
No. Use of assistive equipment such as toilet risers or walkers to accomplish an ADL means you are still able to perform these activities independently.
How do I apply for TSGLI benefits?
Complete and file form SGLV 8600 Application for TSGLI Benefits. Instructions on where to file are included in the form for each military branch. You or your guardian or power of representative must complete Part A of the form, while your treating medical professional must complete Part B. The completed form must be submitted with medical records indicating the traumatic event and resulting loss.
How are TSGLI benefits paid?
There are three ways to receive your lump-sum TSGLI benefits once they are awarded: Prudential’s Alliance Account (PAA), Electronic Funds Transfer (EFT), or check. The PAA is an interest-earning account that allows you to withdraw funds immediately and will continue to earn interest until all funds are depleted. EFT will transfer the funds directly into the bank account of your choice. Checks will be issued to the servicemember or designated representative.
What do I do if my TSGLI claim is denied?
Review your SGLV 8600 form and the supporting medical documentation to ensure you have completed the form in its entirety and you have included all relevant medical records pertaining to your injury and resulting damages. If you cannot find any errors or omissions, contact The LaVan & Neidenberg® for a comprehensive review of your claim and right to appeal.
A Veterans Disability advocate Can Help You Claim Your Benefit
To file for the TSGLI retroactive benefit, you must have proof of your military service during that period, evidence that the injury occurred during the applicable period of eligibility, and medical records reflecting the severity of the injury.
Our veterans disability claims department has an exclusive branch dedicated to helping disabled veterans determine their eligibility for TSGLI benefits and file their claims.