TSGLI

Traumatic Injury Protection under SGLI (TSGLI) provides additional insurance protection in addition to coverage provided under Servicemembers’ Group Life Insurance (SGLI) to severely injured service members (on or off duty) as a result of a traumatic event.
TSGLI was designed to provide severely injured service members a monetary benefit to help the member and their family through a potentially long treatment and recovery period.
TSGLI provides a tax-free lump-sum payment ranging from $25,000, up to a maximum of $100,000, depending on the service member’s qualifying loss. Please be advised that submission of an application is not an approval of benefits.

Servicemembers are eligible if they:

Are covered under SGLI in any amount
Experience a traumatic injury that results in qualifying loss
Suffer the scheduled loss within 730 days or 2 years from the date of the traumatic event. Visit the Schedule of Losses for more information.
Survive seven days from a traumatic event

Financial counseling/planning services are available to TSGLI beneficiaries at no cost. Once a claim is approved, services must be requested within two years from date of TSGLI payment. The service is available for up to two years once initiated. Sailors can use any or all of the services offered. Sailors and their families are encouraged to take advantage of this free professional financial counseling service.
Please be advised that submission of an application in not an approval of benefits.

TSGLI Qualifying Conditions

Loss of sight, hearing, or speech
Amputation(s) and Limb Salvage
Paralysis (paraplegia, quadriplegia, hemiplegia, uniplegia)
Genitourinary injuries - retroactive to 7 October 2001
Facial Reconstruction
Coma
Burns
15-day Hospitalization
Loss of Activities of Daily Living due to a Traumatic Brain Injury or other injuries

TSGLI EXCLUDED Conditions

Due to a mental disorder or mental or physical illness or disease
Due to routine medical or surgical treatment for an illness or disease, medical or surgical treatment for an illness or disease, medical errors or complications
Injuries sustained while committing or attempting to commit a felony
Injuries sustained during attempted suicide
Injuries that were intentionally self-inflicted
Injuries sustained while using illegal or a controlled substance not prescribed by a medical professional

How to Submit a Claim

Assistance for Navy members seeking TSGLI Benefits (Updated 30 September 2020)
We recommend that you visit the Veterans Affairs website for TSGLI for some basic information regarding submitting an SGLV-8600.

Basic Definitions

Traumatic Event - A traumatic event is the application of external force, violence, chemical, biological, or radiological weapons, accidental ingestion of a contaminated substance, or exposure to the elements that causes damage to the body. The event must involve a physical impact upon an individual.
Some examples: an airplane crash, RPGs, IED, or as in some certain communities: Static line/freefall with impacts of ground/tree or teammate, or brick/build parts/teammates that fall and cause a sudden blow to the head.
Traumatic external event that causes injuries must have occurred on or after 07 October 2001 per 38 CFR Part 9, Dept. of Veterans Affairs.

If you are able to perform an activity by using accommodating equipment (such as a wheelchair, crutches, walker, commode, extended sock stick, extending gripper to reach items) or use of ADAPTIVE BEHAVIOR (like using opposite hand to dress or bathe) you are able to independently perform the activity.

Part A is your part to fill out; the member starts on page 3.

- Required information includes name, SSN, home address where you currently get mail, telephone number and email for correspondence.

- Rank/Grade is for the level you WERE when injured such as E4/STS3 or O3/LT

Most Important

NAME of the COMMAND & UIC you WERE attached to WHEN the injury OCCURRED

On page 4, use the Navy method of writing: Keep It Simple

* When - month/day/year, TIME

* Where - city /state/ship/country
[WHERE WERE THE SHIPS...underway...pier side, port of cal/WHERE WAS CMD LOCATED]

* What - type of injury, but keep it simple.
(Example: Motor vehicle accident on Hwy 222 in Somewhere, ST)

Page 5 is banking information.... CHOOSE ONLY ONE OPTION...
If you get paid via EFT, select Option 2

Pages 6 and 7: each must be dated and signed by member unless medically incapacitated.

Part B MUST BE COMPLETED BY A MEDICAL PROFESSIONAL who is a LICENSED practitioner of the healing arts acting within the scope of his/her LICENSE - either directly involved in the care or has access to the medical records.

Page 8: Your name and the date of injury is filled in? Was injury the result of a Traumatic Brain Injury (TBI) or Other Than a Traumatic Brain Injury (OTI)?

- INPATIENT only hospitalization/rehabilitation: MUST BE 15 CONSECUTIVE DAYS or more (this does include any transportation time to/from hospitals and inpatient rehabilitation facilities.)

SUBSTANTIATING DOCUMENTS This comprises a list of documents that may or may not apply to your specific type of injury but are necessary to support your application for benefits:

Portions of your medical record that pertains to the injury STARTING immediately after the injury occurred

Need copies of admission/discharge for all hospitals, rehabilitation facilities, emergency room visits, etc.

ALL surgeon summaries and follow up visits

Radiologist reports need ONLY THE RADIOLOGIST LISTS THEIR FINDINGS and IMPRESSION - DO NOT send x-rays***

Occupational/Physical therapy notes- NOT DAILY NOTES but ONLY 1 every 2-3 WEEKS, preferably evaluations/reevaluation notes;
shows goals, progress, setbacks, changes order by primary doctor, etc.

IF applicable (not everyone will need to have these)
Full legal POLICE REPORT 3-5 pages, Ambulance and/or Emergency Department Admission / Line of Duty /

PHOTOS are for BURN victims only, to show the body area suffering the burns.

LES-An LES for the MONTH of INJURY is required. If your injury is more than 11 months past you will need to go to https://www.dfas.mil/customerservice/lesrequest/ to request a copy.

Local Assistance

You can seek assistance from your local Navy Wounded Warrior/Safe Harbor (NWW/SH) staff as they are a great asset in completing this and submitting all the documentation via AMRDEC to protect your PII and HIPPA. NWW staffs are associated with all of the major military hospitals and fleet concentration centers.

If you were inpatient at a military hospital/clinic, you were assigned a REGISTERED NURSE CASE MANAGER – they can assist as well; they ARE licensed TO SIGN and can fill out the majority of this WITH you.

OTHER Specific Guidance

* All FACIAL RECONSTRUCTION claims must have page 9 signed by a facial specialist/ maxillofacial/ oral surgeon, that clearly shows an AVULSION (a wound caused by the tearing away of tissues, bone, and/or cartilage.) but the rest of the claim can still be completed by any other licensed provider, such as your PCM. What does NOT qualify: broken nose, fractured eye sockets, fractured jaw unless there is missing bone/skin/muscle…

* LIMB SALVAGE - must have clear evidence of multiple surgeries related to saving limb rather than amputation; include all the surgeon's summaries that demonstrates or shows without medical intervention, such as removing NECROSIS (death) of muscle, bone, tissue for maintaining healthy regrowth, skin grafts, allographs, tissue/bone/vein grafting, etc.

* HEARING LOSS: provide audiogram demonstrating loss of hearing is not expected to improve (with reasonable certainty) throughout your life, or a total and permanent loss, of 80 decibels or more.

- Loss caused by IED blast that ruptures tympanic membrane (ear drum) can be permanent

- Hearing Acuity must be measured at 500 Hz, 1000 Hz, and 2000 Hz to calculate the average hearing threshold.

- Loss of hearing must be clinically stable and unlikely to improve at 80 decibels or higher.

* LOSS OF SIGHT is when loss of sight that has lasted at least 120 days or is not expected to improve (with reasonable certainty) throughout your life; requires copies of field acuity tests [unless physical loss of eye is being claimed]

* AMPUTATION of any limb is self-explanatory; however, fingers/toes:
- Amputation of four fingers (or a thumb) on the same hand (not including the thumb) at or above* the metacarpophalangeal joint (in the standard refers to the loss being closer to the body)
- Amputation of four toes (or a big toe) on one foot (not including the big toe) at or above* the metatarsophalangeal joint (in the standard refers to the loss being closer to the body)
- Losing tip of a finger(s) or to the 2nd knuckle does not qualify

* BURNS: When a member suffers burns, the member is eligible for a TSGLI benefit for burns if the member meets one of the following two standards:
- 2nd degree (partial thickness) or worse burns to 20% of the body including the face and head OR

- 2nd degree (partial thickness) or worse burns to 20% of the face only

Please see the TSGLI procedure guide for further guidance

https://www.benefits.va.gov/INSURANCE/docs/TSGLIProceduresGuide.pdf

FOR MORE INFORMATION

The TSGLI program is maintained by the Veteran's Administration and managed through each branch of service. To obtain assistance or additional information about the TSGLI program contact the Navy’s TSGLI office at 1-877-270-2162.

Navy Personnel Command
Navy Casualty PERS-00C (TSGLI)
5720 Integrity Dr.
Millington, TN 38054

Additional Navy TSGLI Resources

OPNAVINST 1770.14, Traumatic Injury Protection Under Servicemembers’ Group Life Insurance –
https://www.secnav.navy.mil/doni/allinstructions.aspx
SECNAVINST 1770.4, Secretary of the Navy’s Traumatic Injury Protection under Servicemembers’ Group Life Insurance (TSGLI) Implementation Guidance and Appeals Process -
https://www.secnav.navy.mil/doni/default.aspx
is available at these web locations: forms and training is available at these web locations:

TSGLI Application form is at:
https://www.benefits.va.gov/INSURANCE/TSGLI.ASP
TSGLI Application appeal form is at:
https://www.benefits.va.gov/INSURANCE/TSGLI.ASP
TSGLI Training:
http://benefits.va.gov/insurance/training1.asp
Click here for TSGLI BRANCH OF SERVICE POINTS OF CONTACT

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NAVY PERSONNEL COMMAND
5720 Integrity Drive
Attn: PERS-### or BUPERS-###
Millington, TN 38055-0000
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