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Traumatic Servicemembers’ Group Life Insurance (TSGLI)


Traumatic Servicemembers’ Group Life Insurance (TSGLI) is a supplemental insurance program designed for members of the U.S. military who have suffered traumatic injuries while on duty. The program provides financial assistance to these servicemembers and their families to help with medical expenses and recovery. TSGLI is automatically included as an additional coverage with Servicemembers’ Group Life Insurance (SGLI) and offers benefits ranging from $25,000 to $100,000, depending on the severity of the injury.

Key Takeaways

  1. Traumatic Servicemembers’ Group Life Insurance (TSGLI) provides financial support for servicemembers who have sustained severe, traumatic injuries while in service, helping them and their families handle the challenges of recovery and rehabilitation.
  2. TSGLI coverage is automatic for those covered under the Servicemembers’ Group Life Insurance (SGLI) program, with no extra enrollment or premium required, and offers benefits ranging from $25,000 to $100,000 depending on the severity and nature of the injury.
  3. The benefits from TSGLI are tax-free and can be used for any purpose, including medical expenses, adaptive equipment, or as income replacement to support a family while the servicemember recovers and transitions to civilian life.


The Traumatic Servicemembers’ Group Life Insurance (TSGLI) is a crucial benefit for veterans and service members, as it offers financial support to those who have experienced severe injuries or traumas sustained while on duty.

This important additional coverage under the Service members’ Group Life Insurance (SGLI) policy not only eases the financial burden for injured service members and their families during difficult times, but also helps in covering rehabilitation costs, adapting homes and vehicles to accommodate disabilities, and supporting the transition into civilian life.

By providing this essential safety net, TSGLI demonstrates a commitment to taking care of the well-being of those who have sacrificed their health and safety in service to their country.


Traumatic Servicemembers’ Group Life Insurance (TSGLI) is a valuable benefit designed specifically to support servicemembers and their families in times of hardship following a traumatic injury sustained during military service. The primary purpose of TSGLI is to provide short-term financial assistance and alleviate the financial burden associated with severe injuries, which can deeply impact the lives of servicemembers and their families.

TSGLI is meant to supplement the existing Servicemembers’ Group Life Insurance (SGLI) coverage and offers additional benefits for military personnel who sustain life-changing injuries in the line of duty, whether in combat, training, or non-war-related activities. This targeted assistance can be instrumental in helping servicemembers and their families cope with the high costs of medical care, rehabilitation, and adjustments to their new lifestyle.

TSGLI allows eligible servicemembers to receive a tax-free payment ranging from $25,000 to $100,000, depending on the severity of their injury and its impact on their daily living activities. This financial support serves to alleviate monetary stress that can arise during a period of recovery from a traumatic injury, enabling focus on the healing process.

Payments from the benefit can be used towards various expenses, such as home modifications needed for accessibility, specialized treatment, and loss-of-income protection, among other costs that might arise. By offering this significant financial assistance, TSGLI demonstrates a commitment to the well-being of servicemembers, acknowledging that their sacrifices deserve recognition, support, and all necessary resources to regain stability and ease the path towards recovery.

Examples of Traumatic Servicemembers’ Group Life Insurance (TSGLI)

Traumatic Servicemembers’ Group Life Insurance (TSGLI) provides financial support to servicemembers who have experienced severe physical injuries or losses, such as amputations, burns, or paralysis, during their service. Here are three real-world examples of TSGLI benefits:

Example 1: During a deployment to Afghanistan, a soldier was involved in a roadside bomb attack that resulted in the loss of both his legs. After returning home, he received a TSGLI payment to help with the expenses related to rehabilitation, prosthetics, and home modifications to accommodate his new lifestyle. This financial assistance allowed the soldier to focus on recovery and transitioning back into civilian life.

Example 2: A servicemember sustained severe burns while on active duty during a training accident. Because of her injuries, she faced an extended hospital stay and numerous surgeries. The TSGLI benefit helped pay for her medical bills, facilitating a more comfortable recovery period. In addition, the benefits provided support for her family during this difficult time, covering travel costs for family members to visit and care for her in the hospital.

Example 3: A member of the military was injured in a car accident while on leave, resulting in complete paralysis from the neck down. The subsequent TSGLI payout helped pay for ongoing medical care, including specialized equipment and home healthcare services, which would otherwise put a significant financial strain on the servicemember and their family.

FAQ: Traumatic Servicemembers’ Group Life Insurance (TSGLI)

What is Traumatic Servicemembers’ Group Life Insurance (TSGLI)?

Traumatic Servicemembers’ Group Life Insurance (TSGLI) is a program that provides financial assistance to servicemembers who have experienced a traumatic injury as a result of their military service. The program offers a one-time, lump-sum payment to eligible servicemembers.

Who is eligible for TSGLI?

To be eligible for TSGLI, a servicemember must be insured by Servicemembers’ Group Life Insurance (SGLI) at the time of the traumatic event causing the injury. This includes active duty members, reservists, National Guard members, cadets and midshipmen of the U.S. military academies, members of the Ready Reserve, and reserve members who have elected to be covered by SGLI.

What types of injuries qualify for TSGLI?

TSGLI covers a wide range of injuries, including but not limited to: amputations, blindness, burns, paralysis, loss of speech, hearing or sight, coma, and traumatic brain injuries. The injury must be considered a direct result of a traumatic event and occur within two years of the event to qualify for benefits.

How much is the TSGLI benefit?

TSGLI benefits are provided as a one-time, lump-sum payment. The amount of the benefit is determined by the type and severity of the injury. Payments range from a minimum of $25,000 to a maximum of $100,000 USD.

How do I apply for TSGLI benefits?

To apply for TSGLI benefits, you must complete the TSGLI Application (SGLV 8600) and submit it to the appropriate branch of service. You can obtain a copy of the application form from your unit, Veterans Affairs office, or by downloading it from the VA website.

When should I apply for TSGLI benefits?

You should apply for TSGLI benefits as soon as possible after your injury. Applications must be submitted within two years from the date of the traumatic event to be considered for benefits.

Related VA Benefit Terms

  • Service-Connected Disability
  • Combat-Related Injury
  • Adaptive Housing Grants
  • Veterans Affairs Healthcare
  • Post-9/11 GI Bill

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