Tips for Maximizing Your TSGLI

Also referred to as Service members’ Group Life Insurance Traumatic Injury Protection, TSGLI is an insurance that gives short-term financial support to service members recovering from a traumatic injury. The TSGLI applies regardless of whether the injury happened while on active duty or not. Understanding how to use a TSGLI calculator can help you. 

What makes you eligible for TSGLI?

For a service member to be qualified for TSGLI, they must be insured when sustaining a traumatic injury, except for injuries suffered between October 7, 2001, and November 30, 2005. Other vital requirements to be met include having a scheduled loss that directly occurs from a traumatic injury. Also, you must have suffered the loss within two years of the damage arising, and you must have suffered the injury before midnight of the day you left active service. You must have been a National Guard member, reservist, or on funeral-honors duty when you sustained the injury.

Some of the injuries that qualify for TSGLI include burns and sensory loss of speech, sight or hearing. Other injuries include limb paralysis, amputations, genitourinary losses and in-patient hospitalization. But note that damages cannot qualify for TSGLI if the injury results from a self-inflicted wound, an attempt at self-injury, or the influence of controlled substances. Also, the damage cannot result from medical treatment of an illness. 

Factors that can work against your TSGLI claim

Analyzing the benefits of TSGLI requires having a good understanding of the processes involved. Ideally, it would help if you only dealt with an experienced attorney who has a good knowledge of TSGLI calculations. Also, a lawyer will have the requisite training needed to calculate numbers and give the correct figures for the benefits you can get.

Inaccurate paperwork

If you want to get TSGLI benefits, you need to fill out the paperwork correctly. This paperwork involves a lot of details and information. If you are not correctly entered, your claim may be denied. Your best bet is to work with an experienced attorney.

Not qualifying for the requirements

Another primary reason people get denied their TSGLI is that they don’t meet their eligibility standards. You will not automatically get paid for your injuries, and to get your benefits, you will need first to meet the requirements spelled out. Working with a lawyer who has experience handling these situations makes things easier because they will look into your claims and ascertain whether they meet the necessary standards.

Shortage of supporting documents

To substantiate your disability claim, you are expected to tender at least to activities of daily living that you can’t do again because of the injuries. This means that you will need enough medical documents to support your claim of disability. You may not get these benefits if you don’t include the documents. Some vital records include operative reports, patient discharge summaries, physical therapy reports, accident reports and medical summaries.

Getting the proper representation on time for anyone deserving of TSGLI benefit payments could significantly influence the outcome. Ideally, you should contact an experienced attorney and consult with them about your chances with your claim. 

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