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Not many Service Members are aware of the existence of TSGLI, let alone whether or not they qualify. This is why Vigil & Alford is available to provide you with as much information regarding TSGLI qualifications, claims, and appeals as is currently available. As part of the team of attorneys working on a nationwide class action lawsuit over improper TSGLI denials, the attorneys of Vigil & Alford know the program and can help you with your individual claim. Take a look at this page and our helpful documents for TSGLI to learn more. Feel free to call us at anytime to learn more and set up a consultation with one of our TSGLI attorneys. Our attorneys, as members of the Federal Court system, can help you no matter what state you reside in.
Traumatic Service member Group Life Insurance or TSGLI provides payment to Service members who are injured, on or off duty, as the result of a traumatic event and suffer a qualifying loss.
Every service member who has SGLI also has TSGLI. If you are unsure, a quick check of your LES will show a $1.00 deduction for the TSGLI coverage.
The TSGLI procedure guide defines a traumatic injury as “the application of external force, violence, chemical, biological, or Radiological weapons, accidental ingestion of a contaminated substance, or exposure to elements that causes damage to the body” which involves “a physical impact upon an individual. Some examples include: an airplane crash, a fall in the bathtub, or brick that falls of a roof and hits someone in the head. Also included would be car accidents or injuries caused by gravitational forces. However, the normal work effort that is employed by an individual, such as straining one’s back from lifting a ladders or carrying a rucksack resulting in degenerative injuries is not covered. There are many other examples of what can cause such injuries. As a service member, whether deployed or in garrison, you are put into circumstances where chances of being injured are increased tenfold. As a service member you experience tough missions, exposure to indirect fire, Improvised Explosive Devices (IEDs), airborne operations, and even physical fitness regimens. Any of these can cause such traumatic injuries that are covered under TSGLI.
Every member who has SGLI also has TSGLI effective December 1, 2005. This coverage applies to active duty members, reservists, National Guard members, funeral honors duty and one-day muster duty.
This benefit is also provided retroactively for members who incurred losses as a result of traumatic injuries between October 7, 2001 and November 30, 2005, regardless of the geographic location where the injury occurred, and regardless of whether they had SGLI coverage at the time of their injury.
Effective October 1, 2011, Section 408 of the Veterans’ Benefit Improvement Act of 2010 removed the requirement that injuries during the retroactive period be incurred in Operations Enduring or Iraqi Freedom.
The categories of losses endured from these traumatic injuries covered are:
Activities of Daily Living
Activities of Daily Living (ADL) is a category that is often overlooked by service members who aren’t sure whether or not they qualify for TSGLI. A member is considered to have a loss of ADL if the member REQUIRES assistance to perform at least one of six activities of daily living. Such help may include removing clothing to bathe, help in and out of the bathtub, putting on socks and shoes for someone in a leg brace, stand by assistance for vision or hearing injuries, and so on. If the patient is able to perform the activity accommodating equipment (such as a cane, walker, crutches, commode, etc), the patient is considered to be able to independently perform the activity. The six basic ADL’s are eating, bathing, dressing, toileting, transferring (moving in and out of bed or a chair) and continence (managing or controlling bladder and bowel functions).
If you have served our nation and don’t know if you qualify please give us a call. Even if you have already been denied TSGLI benefits, we can look into all the options available to you. There are routes for reconsideration available to you. In fact, the TSGLI procedure manual specifically grants soldiers the right to pursue legal action if they have been incorrectly denied benefits. You volunteered to serve our great nation and deserve the benefits owed to you. Let us serve you by helping you with your TSGLI claim and Contact us today.
If you are interested in having our help with your claim, please fill out our TSGLI questionnaire, and email to our TSGLI case manager at firstname.lastname@example.org