Veterans Given New Opportunities For Insurance Coverage

Soldiers are currently unable to have insurance coverage for  injuries received outside Operations Iraqi Freedom and Enduring Freedom. That practice is coming to an end, as soldiers will now be able to submit such claims for coverage to the Traumatic Servicemembers’ Group Life Insurance (TSGLI) Injury Protection Program.

The change in policy will become effective October 1 and will apply to soldiers who suffered an injury while not in a combat zone. Soldiers with qualifying injuries may be able to draw benefits between $25,000 and $100,000, as long as the injury occurred between Oct. 7 2001 and Nov. 30, 2005.

In order to be covered, the injuries must qualify, or rise to a certain standard including:


  • loss of limbs;
  • limb salvage;
  • paralysis;
  • burns;
  • loss of sight/hearing/speech; and
  • inability to function on a daily basis due to traumatic injuries including TBIs.

The Department of Veterans Affairs (VA) manages the TSGLI program. The VA is currently contacting those veterans whose injury claims were previously denied because they did not happen while engaged in combat. The burden is being put on the veterans to notify the VA with their renewed claims.

Although TSGLI does not affect VA benefits, the VA plans on working with the branches of service to not only locate veterans, but in collecting information supporting veterans’ claims. Once the VA determines veterans eligibility, they determine how much disability to pay the veteran, and the insurance company issues the payment.

TSGLI covers all soldiers, to include inactive Reserve and Guard members. The coverage does not, however, continue once the soldier separates from the service. Since the inception of TSGLI in 2005, the program has paid out $550 million in benefits.

If you are a disabled veteran who has been denied disability compensation or have not yet applied for benefits from the VA, contact Veterans Help Group. You may be entitled to certain programs and benefits so contact our veterans disability rights firm today.