Servicemembers’ group life insurance traumatic injury protection—called TSGLI—is a life insurance policy that includes a lump sum payment for certain traumatic injuries. Depending on the injury, a TSGLI payment could range from $25,000 to $100,000.
If you suffered a qualifying traumatic injury while serving in the armed forces, you should consult an experienced TSGLI claim attorney for help securing your benefits. A dedicated Veterans insurance attorney could ensure you submit a strong initial claim, or if you received a denial, they could appeal your case until you receive the benefits you earned.
The TSGLI program provides benefits to members of the armed forces who suffer injuries while they are serving their country. To qualify, the individual must have been on active military duty, a member of the Army Reserve or National Guard, on funeral honor duty, or one-day muster duty at the time of the injury.
The service member need not have been performing their military duties when they suffered the injury. Off-duty injuries are eligible for TSGLI benefits as long as the individual was a service member when the damage occurred. The injury must have occurred before midnight on the individual’s last day of military service.
If an individual suffered harm near the end of their military service, eligibility questions might arise. Consulting with a knowledgeable TSGLI claim lawyer before filing an initial claim could ensure the issue is addressed appropriately.
Only specific traumatic injuries, called “scheduled losses,” entitle a service member to TSGLI benefits. Qualifying injuries include:
Service members might be eligible for payments even if their injury does not appear in the list above. Any traumatic injury that requires hospitalization for at least 15 consecutive days or leaves the service member unable to perform two or more activities of daily living also merits a TSGLI payment. Activities of daily living for TSGLI purposes include toileting, bladder control, bathing, dressing, moving from chair to bed unassisted, and eating.
A scheduled loss must be directly related to the traumatic injury but need not occur simultaneously—a scheduled loss could manifest up to two years after the trauma. Medical documentation linking the traumatic injury to the scheduled loss is critical. A capable TSGLI claim lawyer could help a service member compile medical records and other documentation establishing the connection between the traumatic injury and the scheduled loss.
The TSGLI payment helps the injured service member deal with their immediate financial needs after the traumatic event. Mistakes or insufficient documentation could result in claim denial and delay in receiving the payment. A service member who consults with a seasoned TSGLI claim lawyer to prepare the application could avoid such problems.
If the TSGLI denies a claim, the service member could appeal. However, they must recognize that some traumatic injuries are never eligible for TSGLI payment. The TSGLI does not cover a claim if the injury:
If a claim was denied for a reason related to insufficient documentation, errors in paperwork, or misinterpretation of information in the claim application, an appeal could be successful. In most cases, the service member must file the appeal within one year of the date of the denial letter.
If you suffered a severe traumatic injury while in service to your country, you earned your TSGLI payment. Do not allow unfamiliarity with the program requirements or processes to delay your receipt of these needed funds.
A TSGLI claim attorney is honored to assist you in getting the payment you deserve. Call today to get started.