Traumatic Injury Protection Under SGLI

1. Traumatic Injury Protection Under SGLI Training for Patient Administrators Orlando, Florida May 22, 2008

2. TSGLI Basics • Effective December 1, 2005 • $25,000 - $100,000 benefit • Payable to service members who suffer a qualifying loss due to a traumatic event • Provides a short-term financial assistance to members and their families to help with the expenses of recovery from severe injuries

3. Who Is Covered by TSGLI? • All SGLI insured • TSGLI coverage is automatic with SGLI • Coverage is 24/7 for all full-time SGLI insureds • Retroactive coverage for those injured from 10/7/01 – 11/30/05 in OEF/OEF or combat zone tax exclusion areas

4. Who Qualifies for a TSGLI Payment? • You must be insured by SGLI. • You must incur a scheduled loss and that loss must be a direct result of a traumatic event. • You must have experienced the traumatic event prior to midnight of the day that you separate from the uniformed services. • You must suffer a scheduled loss within 2 years (730 days) of the traumatic event. • You must survive for a period of not less than seven full days from the date of the traumatic event.

5. What Losses are Covered by TSGLI? • Limb Amputations/Salvage • Amputations of thumb, big toe, 4 fingers, or 4 toes • Loss of sight, hearing, speech • Paralysis of one or more limbs • Burns

6. Dressing Bathing Eating Toileting Transferring Continence What Losses are Covered by TSGLI? • Facial Reconstruction • Coma • Loss of two of six activities of daily living due to traumatic brain injury or other injuries not already specifically listed as covered • For periods of 15, 30, 60, 90 days for TBI • For periods of 30, 60, 90, 120 days for other injuries • Continuous 15-day inpatient hospitalization can be substituted for initial 15 or 30 day ADL period

7. Can Losses Be Combined? • Losses can be combined up to the maximum $100K benefit, with the exception of: Loss of two of six ADL due to injuries not specifically listed on the schedule Example: Loss of ADL of dressing and bathing due to shrapnel injuries to torso requiring surgeries to reconstruct digestive system.

8. One leg amputated = $50,000 + Loss of hearing in one ear = $25,000 $75,000 Loss of sight in one eye = $50,000 + TBI with loss of ADL for 15 days = $25,000 $75,000 Loss of sight in one eye = $50,000 + Loss of ADL for 30 days from torso injury = $25,000 $50,000 Hospitalization for 15 days = $25,000 + Amputation of one arm = $50,000 $50,000 Examples

9. Excluded Losses • Intentionally self-inflicted injuries or attempts to inflict such an injury • Use of an illegal or controlled substance that was not administered or consumed on the advice of a medical doctor • Medical or surgical treatment of an illness or disease • A traumatic injury sustained while committing or attempting to commit a felony • A physical or mental illness or disease TSGLI

10. Common Misconceptions • NOT just a combat benefit • NOT just for active duty service members • NOT a compensation program • NOT for minor or moderate injuries • DOES NOT reduce the SGLI benefit

11. Service Member Completes Part A Medical Professional Completes Part B NAVY TSGLI OfficeAdjudicates and Certifies Claim Beneficiaries OSGLI TSGLI Claims Process

12. Methods of Payment • Electronic Funds Transfer • Alliance Account • Paper Check

13. Beneficiary Financial Counseling Service (BFCS) • Available to TSGLI beneficiaries • Provides free, personalized financial counseling • Beneficiary can ask questions or receive detailed financial plan • Toll-free access to a financial counselor for 1 year

14. Navy Points of Contact Phone: (800) 368-3202 Email:MILL_TSGLI@navy.mil (MILL_TSGLI@navy.mil)www.npc.navy.mil/CommandSupport/CasualtyAssistance/TSGLI/

17. TSGLI - Program Status for NAVY • Navy claims: 168 paid for $10.3 million • Average amount paid: $61,310