Marine Parents Logo Marine Parents a Place to Connect and Share®
  HOME   |   ONLINE STORE   |   SITE MAP    
About Us   |   Support Our Troops   |   What's New   |   A Place to Connect and Share®   |   Meet Our Marines   |   Outreach, Inc. is an IRS-approved 501(c)(3) public charity.
        Marine Parents for families of Marines and Recruits to Connect and Share

Slideshow image

Since your web browser does not support JavaScript, here is a non-JavaScript version of the image slideshow:

Marine Parents a Place to Connect and Share

Marine Parents EGA Shop

Marine Parents Gold Star Family Support

Marine Parents Gold Star Luminary Initiative

Marine Family Network

Marine Parents is an Official Licensee of the United States Marine Corps

Marine Parents Operation Prayers and Letters

Marine Parents and Recruit Parents

Team Marine Parents

Marine Parents is a USMC Charity Partner

Marine Parents Whats After Boot

Marine Parents Warrior Support Team

Marine Corps Marathon and Charity Partner

Marine Corps Marathon and Charity Partner

Warrior Support Team Join Their Fight

Marine Parents on Amazon Smil

Marine Parents Celebrates the Marine Corps Birthday

Marine Parents and CFC 57100

Marine Parents Commandants Reading List

Marine Parents Care Packaget Project

Marine Parents Gold Star Family Support

Marine Parents Operation Prayers and Letters

Team Marine Parents

Marine Parents Online Retail Store

Marine Parents EGA Shop Online Store

Marine Parents Gift Certificates

Marine Parents Gols Star Luminary Initiative

Marine Parents Marine Corps Marathon Bibs

Marine Parents Meet Us at the Marine Marathon

Marine Parents Recruit Poolee Kits

Marine Parents Send  Us Your Photos

Marine Parents Support Our Troops

Marine Parents Care Package Project

Marine Parents Purplhe Heart Hero Support

Marine Parents Operation PAL

Marine Parents Team Marine Parents Thank Our Corporate Sponsors!   |   Advertise With Us!

News & Announcements

Monthly Columns & Special Features

Past Newsletters

2015 Newsletters
2014 Newsletters
2013 Newsletters
2012 Newsletters
2011 Newsletters
2010 Newsletters
2009 Newsletters
2008 Newsletters
2007 Newsletters
2006 Newsletters

Past Announcements

Receive our Newsletter! Enter email:
  • cfcx200
  • CRL2x200
  • EGA-shopx200
  • poolee-kitsx200
Traumatic Service Group Life Insurance (TSGLI) Appeals: Getting the Help You Need
From Our Columnist, Kyndra Miller Rotunda*

Kyndra Rotunda
Archive Columns

Not surprisingly, one lesson we've learned in the Global War on Terror is that military families will do anything -- and everything -- to be with their wounded loved ones.

Beginning with the first plane load of wounded troops to Walter Reed, family members travelled from all over the U.S. to welcome their beloved troop and help ease their pain. Some family members quit jobs they couldn't afford to quit; embarked on thousand mile journeys from coast to coast; and incurred costly hotel and dining expenses to remain at Walter Reed, while their soldier recovered.

Realizing the tremendous financial strain on families of the combat wounded, in 2005 Congress passed the Traumatic Service Group Life Insurance (TSGLI) benefit to help wounded troops and their families offset the expenses associated with being traumatically injured. TSGLI provides a one-time, lump sum, cash benefit that ranges from $25,000.00 to $100,000.00 depending on the particular injury.

TSGLI is not the same thing as Military Disability Benefits. Even troops who fully recover and return to active duty may still qualify for TSGLI benefits –though they do not qualify for permanent disability benefits. A troop who is permanently disabled may be able to collect both.

Who is eligible for TSGLI Benefits?

To qualify for TSGLI, the soldier must have incurred a "traumatic injury" caused by a "traumatic event."

The Department of Defense has published what it calls a "schedule of losses." That schedule specifies certain awards for certain injuries. For example "loss of both hands at or above the wrist" automatically qualifies for a $100,000.00 payment. The same is true of "loss of both feet at or above the ankle."

The Catch-All Provision:

But, what about those soldiers whose injuries don't fit perfectly into the "schedule of losses?" Can they still possibly qualify? The answer is: Yes.

The TSGLI regulations also include a catch-all (or safety-net) provision to compensate traumatically injured soldiers whose injuries aren't enumerated in the DoD "schedule of losses."

Under this category, soldiers qualify for TSGLI if their injury is not spelled out in the "schedule of losses" yet they are unable to carry out specified "activities of daily living" or "ADLs".

Wounded troops who are unable to independently perform two of six ADLs for at least 30 days qualify for the benefit. These ADLs include bathing, continence, dressing, eating, toileting, and transferring to/from a bed or a chair.

Unfortunately, all branches of the military, without any legal authority to do so, impose a stricter test than what the law actually requires. It denies TSGLI benefits to many wounded troops on grounds that the troop was not "completely dependent on another human being" to perform activities of daily living. But, the legal standard is much lower -- the legal standard is -- "unable to independently perform" two of six ADLs.

Do I Need A Lawyer?

When the military denies TSGLI benefits, it allows the wounded troop several appeal opportunities. However, unless the solider is able to present supporting evidence, the military typically denies the troop benefits at every level of appeal.

Unfortunately, because the military denies so many claims that are entitled to recovery, troops are forced to hire lawyers; or forfeit benefits they're entitled to receive. But, lawyers are expensive and most legal practitioners don't have any experience with TSGLI appeals.

Pro Bono Help on the Horizon:

I am a law professor at Chapman University School of Law in Orange, California. I'm a soldier, too. I've helped hundreds of soldiers receive benefits that they're entitled to receive.

Chapman University Law School is seriously considering the possibility of launching a military law clinic where law students – working under my direction and also with qualified supervising attorneys – would represent military families in various civil disputes.

We would accept TSGLI appeals.

Anyone interested in learning more about Chapman's efforts to launch a Military Personnel Legal Support Center should contact me directly at


Marine Family Network™®
Recruit Parents™
What's After Boot™

  • Recruit Parents
  • Team Marine Parents
  • Care Package Project
  • Operation Prayers and Letters
  • Purple Heart Hearo Support
  • Caregivers Support Group
  • Gold Star Family Support
  • Luminary Initiative
  • 11 Years of Service
Our Programs

  • egashop-slide-C-1227
  • egashop-slide-CS-4815
  • egashop-slide-Q1017-BT
  • egashop-slide-AOY-1034
  • egashop-slide-AOA-1479
  • egashop-slide-AOH-0839
  • egashop-slide-AOH-5074
  • egashop-slide-CY-5079
  • egashop-slide-C-4028
  • egashop-slide-CP-0112
  • egashop-slide-CS-1274
  • egashop-slide-CY-1831
  • egashop-slide-HSW-4896
  • egashop-slide-DWM-3873
  • egashop-slide-GND-5014
  • egashop-slide-GNG-0901
  • egashop-slide-GNT-3993
  • egashop-slide-HSP-2600
  • egashop-slide-JE-3689
  • egashop-slide-JEF-5063
  • egashop-slide-JER-1423
  • egashop-slide-JES-0393
  • egashop-slide-JEW-1211
  • egashop-slide-LP-0327
  • egashop-slide-ME-2511
  • egashop-slide-Q1005-SW
  • egashop-slide-Q1034-2529
  • egashop-slide-Q1060-SL
  • egashop-slide-Q1084-0622
  • egashop-slide-Q3232-SU
  • egashop-slide-Q4000-4052
  • egashop-slide-Q4007-SL
  • egashop-slide-SBK-3818
EGA Shop
Team Marine Parents
Team Marine Parents™
The Care Package Project
Care Package Project™
Wounded, Ill, and Injured Warrior Support Team
Warrior Support Team™
Operation PAL
Operation PAL ™
After the Corps
After the Corps ™
Gold Star Family Support
Gold Star Family Support™
Gold Star Luminary
Luminary Initiative
Receive our Newsletter! Enter email:
How can we help you?

Marine Parents Combined Federal Campaign #57100 Show Me Heroes Hiring Veterans in Missouri is a Marine Corps Charity Partner Eleven Years of Service to Marines and their Families Shop for Marine Corps items at the EGA Shop IBM and Marine Parents Partnership in Charity AmazonSmile and Marine Parents Charity MarineParents is a Guidestar Exchange Gold Participant, Inc.
PO Box 1115
Columbia, MO 65205
Phone (573) 449-2003
Copyright © 2003-15, Inc. ~ All Rights Reserved Worldwide is an IRS-approved 501(c)(3) public charity,
a Marine Corps Charity Partner, and Official Marine Corps Trademark Licensee.
Site Map   |   Statements of Use   |   Outreach Programs   |   Join Team Marine Parents
Neither the United States Marine Corps
nor any other component of the
Department of Defense has approved,
endorsed, or authorized this service.