Philadelphia TSGLI Claims Attorney Providing Legal Help for Injured Service Members in Philadelphia and Surrounding Areas
Active duty service members in the U.S. military who suffered a traumatic injury may be eligible to receive TSGLI benefits, even if the injury happened while they were off duty. The legal team at the Boonswang Law Firm explains how TSGLI works and how an attorney can help active-duty members, veterans, and their beneficiaries receive financial support through TSGLI.
What Does TSGLI Mean?
TSGLI stands for Traumatic Servicemembers’ Group Life Insurance. It was created as a way for injured service members and their families to access short-term financial support if the service member suffers a traumatic injury while engaging in activities both on and off duty. Benefit payments provided through TSGLI may range from $25,000 to $100,000.
Those enrolled in the Servicemembers’ Group Life Insurance (SGLI) program who are active-duty military, National Guard, and reservists may receive TSGLI benefits. If you are currently receiving Veterans Affairs (VA) disability benefits or have an ongoing claim, TSGLI benefits will not affect your eligibility with the VA.
Who Is Eligible for TSGLI Benefits?
In order to receive TSGLI benefits, there are a few requirements you must fulfill. First, you need to be a service member currently enrolled in SGLI (or a service member’s beneficiary). You need to have suffered a traumatic injury after October 2001, and the injury happened before you left the Armed Forces. The traumatic injury caused one or more covered losses, and those losses happened within two years of the date of the injury.
It is important to understand what is not considered a traumatic injury under TSGLI, including mental or physical illness, unless caused by pyogenic infection, biological, chemical, or radiological weapons, or accidental ingestion of a contaminated substance. Likewise, the list of injuries that are not covered by TSGLI includes self-inflicted injuries, injuries due to the use of illegal drugs or prescription drugs without following a doctor’s instructions, injuries that resulted from the process of committing a felony crime, or those that were a result of medical or surgical treatment of a disease.
What Steps Should You Take to File a TSGLI Claim?
In order to start a TSGLI claim, the injured service member (or a beneficiary) needs to fill out the SGLV 8600 form and follow all instructions. After that, the form can be sent to the VA, where it will be reviewed, and a decision will be made. The claim will either be paid or denied.
Sadly, several eligible claims are frequently turned down by the VA. If your TSGLI claim is denied, you will receive a denial letter from your branch of service. The letter usually contains a deadline to submit your appeal. If you receive a denial letter, it is best to take quick action and contact the TSGLI claims lawyers at the Boonswang Law Firm as soon as possible.
Our legal team can assist you with the process of filing for a reconsideration of your claim. This is usually the first step. If your request is once again denied, we can help you submit another appeal. If that is not successful, the next step is to submit a secondary appeal to the review board. In case that is also denied, our life insurance lawyers can initiate a lawsuit in federal court on your behalf. Receiving a denial letter is not the end of the road–it is just the beginning. We can help you get the benefits you deserve.
Which Categories of Loss are Compensable Under TSGLI?
The types of injury (referred to as categories of loss) that TSGLI members can receive payment for include loss of hearing, sight, or speech, severe burns, partial or total paralysis, damage to limbs or amputation, a facial injury requiring reconstruction, TBIs (Traumatic Brain Injuries), coma, and most injuries requiring hospitalization or limiting routine daily activities.
It is quite common for TSGLI beneficiaries to have suffered one or more covered losses. Another factor that qualifies an injured service member for TSGLI benefits is when an injury limits them from performing two or more ADLs (Activities of Daily Living) without assistance. Members requiring assistance to bathe, get dressed, use the toilet, eat, move around the house (transferring) or have continence issues for at least 30 days may qualify for a TSGLI claim.
How are TSGLI Payments Calculated?
TSGLI benefits are calculated in increments and based on the number of days of ADL the service member has consecutively lost since the injury. As explained above, ADLs include routine activities such as bathing, eating, and getting dressed without assistance. A $25,000 TSGLI payment is made for every 30th consecutive day of ADL loss.
This means a service member may receive $25,000.00 for 30 consecutive days of ADL loss, $50,000.00 on the 60th consecutive day of ADL loss, $75,000.00 on the 90th consecutive day of ADL loss, and up to $100,000.00 on the 120th consecutive day of ADL loss.
How Can an Attorney Help Get My TSGLI Claim Paid?
Those eligible to receive TSGLI benefits whose claim was denied may follow the administrative steps we covered previously or initiate a federal lawsuit at any point in the process, and the attorneys at the Boonswang Law Firm can help at every step of the way, making sure you are taking the right steps to receive the benefits you are entitled to. An attorney can handle your case for you so you can focus on healing and spending time with your loved ones. We can file your initial claim for TSGLI benefits, initiate an appeal for you, or take your case to trial. Our legal team has represented hundreds of service members in Philadelphia, PA, and nationwide and secured fair compensation for members and their families. Reach out to our office in Philadelphia by calling 215-940-8900 and request an appointment to discuss your case.