TSGLI Loss Standards - Life Insurance

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title="For Students"><span></span>For Students</a> <ul class="sub-sub-menu"> <li><a href="#" title="Get Started"><span></span>Get Started</a> <ul class="sub-sub-menu"> <li><a href="http://www.benefits.va.gov/gibill/get_started.asp" title="Get Started Home" target="_blank">Get Started Home</a></li> <li><a href="https://www.va.gov/education/how-to-apply/" title="Apply for Benefits" target="_blank">Apply for Benefits</a></li> <li><a href="https://www.va.gov/education/benefit-rates/" title="Payment Rates" target="_blank">Payment Rates</a></li> <li><a href="https://www.va.gov/education/choosing-a-school/" title="School Locator" target="_blank">School Locator</a></li> <li><a href="http://www.benefits.va.gov/gibill/principles_of_excellence.asp" title="Principles of Excellence" target="_blank">Principles of Excellence</a></li> </ul> <li><a href="#" title="Education Programs" target="_blank"><span></span>Education Programs</a> <ul class="sub-sub-menu"> <li><a 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Payments</a></li> <li><a href="http://www.benefits.va.gov/gibill/coop_training.asp" title="Co-Op Training" target="_blank">Co-Op Training</a></li> <li><a href="http://www.benefits.va.gov/gibill/correspondence_training.asp" title="Correspondence Training" target="_blank">Correspondence Training</a></li> <li><a href="http://www.benefits.va.gov/gibill/entrepreneurship_training.asp" title="Entrepreneurship Training" target="_blank">Entrepreneurship Training</a></li> <li><a href="http://www.benefits.va.gov/gibill/flight_training.asp" title="Flight Training" target="_blank">Flight Training</a></li> <li><a href="http://www.benefits.va.gov/gibill/higher_learning.asp" title="Institutions of Higher Learning" target="_blank">Institutions of Higher Learning</a></li> <li><a href="http://www.benefits.va.gov/gibill/national_call_to_service.asp" title="National Call to Service Program" target="_blank">National Call to Service Program</a></li> <li><a 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title="Tutorial Assistance" target="_blank">Tutorial Assistance</a></li> <li><a href="http://www.benefits.va.gov/gibill/workstudy.asp" title="Workstudy" target="_blank">Workstudy</a></li> </ul> </ul> <li><a href="https://www.va.gov/school-administrators/" title="For School Administrators" target="_blank">For School Administrators</a></li> <li><a href="#" title="About GI Bill" target="_blank"><span></span>About GI Bill</a> <ul class="sub-sub-menu"> <li><a href="http://www.benefits.va.gov/gibill/handouts_forms.asp" title="Handouts and Forms" target="_blank">Handouts and Forms</a></li> <li><a href="http://www.benefits.va.gov/gibill/social_media.asp" title="Social Media" target="_blank">Social Media</a></li> <li><a href="http://www.benefits.va.gov/gibill/non_va_resources.asp" title="Non-VA Resources" target="_blank">Non-VA Resources</a></li> </ul> <li><a href="#" title="Contact Us" target="_blank"><span></span>Contact Us</a> <ul class="sub-sub-menu"> <li><a 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href="https://www.va.gov/careers-employment/veteran-resources/" title="Veteran Employment Resources">Veteran Employment Resources</a></li> <li><a href="http://www.benefits.va.gov/vocrehab/vsoc.asp" title="VetSuccess on Campus (VSOC)">VetSuccess on Campus (VSOC)</a></li> <li><a href="http://www.benefits.va.gov/vocrehab/independent_living.asp" title="Independent Living">Independent Living</a></li> <li><a href="https://www.va.gov/careers-employment/vocational-rehabilitation/eligibility/" title="Eligibility and Entitlement">Eligibility and Entitlement</a></li> <li><a href="http://www.benefits.va.gov/vocrehab/subsistence_allowance_rates.asp" title="Subsistence Allowance Rates">Subsistence Allowance Rates</a></li> <li><a href="http://www.benefits.va.gov/vocrehab/program_definitions.asp" title="Program Definitions">Program Definitions</a></li> <li><a href="http://www.benefits.va.gov/vocrehab/links_resources.asp" title="Links and Resources">Links and Resources</a></li> </ul> <li><a href="#" title="Home Loans "><span></span>Home Loans </a> <ul class="sub-menu"> <li><a href="https://www.benefits.va.gov/homeloans/index.asp" title="VA Home Loans" target="_blank">VA Home Loans</a></li> <li><a href="https://www.benefits.va.gov/homeloans/veteran_borrowers.asp" title="Mortgage Assistance" target="_blank">Mortgage Assistance</a></li> <li><a href="https://www.va.gov/housing-assistance/home-loans/trouble-making-payments/" title="Foreclosure Avoidance">Foreclosure Avoidance</a></li> <li><a href="#" title="Purchase & Cash-Out Refinance Loan" target="_blank"><span></span>Purchase & Cash-Out Refinance Loan</a> <ul class="sub-sub-menu"> <li><a href="https://www.benefits.va.gov/homeloans/purchasecashout.asp" title="Purchase & Cash-Out Refinance Loan Page">Purchase & Cash-Out Refinance Loan Page</a></li> <li><a href="https://www.benefits.va.gov/homeloans/purchaseco_eligibility.asp" title="Eligibility" target="_blank">Eligibility</a></li> <li><a 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Buydown</a></li> <li><a href="https://www.benefits.va.gov/homeloans/nadl.asp" title="Native American Direct Loan" target="_blank">Native American Direct Loan</a></li> <li><a href="https://www.benefits.va.gov/homeloans/adaptedhousing.asp" title="Specially Adapted Housing (SAH)" target="_blank"><span></span>Specially Adapted Housing (SAH)</a> <ul class="sub-sub-menu"> <li><a href="https://www.va.gov/housing-assistance/disability-housing-grants/" title="Specially Adapted Housing (SAH)">Specially Adapted Housing (SAH)</a></li> <li><a href="https://www.benefits.va.gov/homeloans/sahat.asp" title="SAH Assistive Technology Grant">SAH Assistive Technology Grant</a></li> <li><a href="https://www.benefits.va.gov/HOMELOANS/sah-builder-registration-information.asp" title="SAH Builder Registration Information" target="_blank">SAH Builder Registration Information</a></li> </ul> <li><a href="#" title="Appraisers/SARs" target="_blank"><span></span>Appraisers/SARs</a> <ul class="sub-sub-menu"> <li><a href="https://www.benefits.va.gov/homeloans/appraiser.asp" title="Appraisers/SARs Page" target="_blank">Appraisers/SARs Page</a></li> <li><a href="https://www.benefits.va.gov/HOMELOANS/appraiser_fee_app.asp" title="VA Fee or Roster Personnel Designation Application" target="_blank">Fee Appraiser Application</a></li> <li><a href="https://www.benefits.va.gov/HOMELOANS/appraiser_fee_schedule.asp" title="VA Appraisal Fees and Timeliness Requirements" target="_blank">Appraisal Fees and Timeliness</a></li> <li><a href="https://www.benefits.va.gov/homeloans/appraiser_sar.asp" title="Staff Appraisal Reviewer (SAR) Information" target="_blank">Staff Appraisal Reviewer (SAR) Information</a></li> <li><a href="https://www.benefits.va.gov/homeloans/appraiser_sar_application.asp" title="SAR Application Under Lender Appraisal Processing Program (LAPP)" target="_blank">SAR Application: LAPP Program</a></li> <li><a href="https://www.benefits.va.gov/homeloans/appraiser_cv.asp" title="Construction and Valuation" target="_blank">Construction and Valuation</a></li> </ul> <li><a href="#" title="Lenders" target="_blank"><span></span>Lenders</a> <ul class="sub-sub-menu"> <li><a href="https://www.benefits.va.gov/homeloans/lenders.asp" title="Lenders Page" target="_blank">Lenders Page</a></li> <li><a href="https://www.benefits.va.gov/homeloans/lenders_samp_doc.asp" title="Lenders Sample Documents" target="_blank">Lenders Sample Documents</a></li> <li><a href="https://www.benefits.va.gov/homeloans/lenders_nsaaa.asp" title="How to Apply for Nonsupervised Automatic Authority" target="_blank">How to Apply for Nonsupervised Automatic Authority</a></li> <li><a href="https://www.benefits.va.gov/homeloans/lenders_lgy_monitor.asp" title="Loan Guaranty Monitoring Unit" target="_blank">Loan Guaranty Monitoring Unit</a></li> </ul> <li><a href="#" title="Real Estate Professionals" target="_blank"><span></span>Real Estate Professionals</a> <ul class="sub-sub-menu"> <li><a href="https://www.benefits.va.gov/homeloans/realtors.asp" title="Real Estate Professionals Page">Real Estate Professionals Page</a></li> <li><a href="https://www.benefits.va.gov/homeloans/realtors_property_mgmt.asp" title="Property Management" target="_blank">Property Management</a></li> </ul> <li><a href="#" title="Servicers"><span></span>Servicers</a> <ul class="sub-sub-menu"> <li><a href="https://www.benefits.va.gov/homeloans/servicers.asp" title="Servicers Page" target="_blank">Servicers Page</a></li> <li><a href="https://www.benefits.va.gov/homeloans/servicers_valeri.asp" title="VALERI (VA Loan Electronic Reporting Interface)" target="_blank">VALERI (VA Loan Electronic Reporting Interface)</a></li> <li><a href="https://www.benefits.va.gov/homeloans/servicers_valeri_news.asp" title="VALERI Servicer Newsflash" target="_blank">VALERI Servicer Newsflash</a></li> </ul> <li><a href="https://www.benefits.va.gov/homeloans/training/index.asp" title="Training" target="_blank">Training</a></li> <li><a href="https://www.benefits.va.gov/HOMELOANS/technology-knowledge-center.asp" title="Technology Knowledge Center" target="_blank">Technology Knowledge Center</a></li> </ul> <li><a href="#" title="Life Insurance"><span></span>Life Insurance</a> <ul class="sub-menu"> <li><a href="http://www.benefits.va.gov/insurance/index.asp" title="Life Insurance Home">Life Insurance Home</a></li> <li><a href="http://www.benefits.va.gov/insurance/choose.asp" title="Access My Policy Online">Access My Policy Online</a></li> <li><a href="#" title="SGLI: Servicemembers' Group Life Insurance"><span></span>SGLI: Servicemembers' Group Life Insurance</a> <ul class="sub-sub-menu"> <li><a href="https://www.va.gov/life-insurance/options-eligibility/sgli/" title="SGLI Program Page">SGLI Program Page</a></li> <li><a href="https://www.va.gov/life-insurance/options-eligibility/sgli/" title="SGLI Disability Extension">SGLI Disability Extension</a></li> <li><a href="http://www.benefits.va.gov/INSURANCE/SOES.asp" title="SGLI Online Enrollment System (SOES)">SGLI Online Enrollment System (SOES)</a></li> </ul> <li><a href="#" title="VGLI: Veterans' Group Life Insurance"><span></span>VGLI: Veterans' Group Life Insurance</a> <ul class="sub-sub-menu"> <li><a href="https://www.va.gov/life-insurance/options-eligibility/vgli/" title="VGLI Program Page">VGLI Program Page</a></li> <li><a href="http://www.benefits.va.gov/insurance/vgli_rates_compare_vgli.asp" title="How Does VGLI Compare to Other Insurance Programs?">How Does VGLI Compare to Other Insurance Programs?</a></li> <li><a href="https://www.va.gov/resources/deciding-how-much-life-insurance-to-get/" title="How Much Life Insurance Do You Really Need?">How Much Life Insurance Do You Really Need?</a></li> <li><a href="https://www.va.gov/life-insurance/options-eligibility/vgli/" title="VGLI Premium Rates">VGLI Premium Rates</a></li> </ul> <li><a href="https://www.va.gov/life-insurance/options-eligibility/fsgli/" title="FSGLI: Family Servicemembers Group Life Insurance">FSGLI: Family Servicemembers Group Life Insurance</a></li> <li><a href="#" title="TSGLI: SGLI Traumatic Injury Protection Program"><span></span>TSGLI: SGLI Traumatic Injury Protection Program</a> <ul class="sub-sub-menu"> <li><a href="https://www.va.gov/life-insurance/options-eligibility/tsgli/" title="TSGLI Program Page">TSGLI Program Page</a></li> <li><a href="http://www.benefits.va.gov/insurance/tsgli_schedule_Schedule.asp" title="Schedule of Payments for Traumatic Losses">Schedule of Payments for Traumatic Losses</a></li> </ul> <li><a href="https://www.va.gov/life-insurance/options-eligibility/s-dvi/" title="S-DVI: Service-Disabled Veterans Life Insurance">S-DVI: Service-Disabled Veterans Life Insurance</a></li> <li><a href="https://www.benefits.va.gov/insurance/valife.asp" title="VALife: Veterans Affairs Life Insurance" target="_blank">VALife: Veterans Affairs Life Insurance</a></li> <li><a href="https://www.va.gov/life-insurance/options-eligibility/vmli/" title="VMLI: Veterans' Mortgage Life Insurance">VMLI: Veterans' Mortgage Life Insurance</a></li> <li><a href="http://www.benefits.va.gov/insurance/bfcs.asp" title="Beneficiary Financial Counseling and Online Will ">Beneficiary Financial Counseling and Online Will </a></li> <li><a href="https://www.va.gov/life-insurance/totally-disabled-or-terminally-ill/" title="Accelerated Benefits Option">Accelerated Benefits Option</a></li> <li><a href="#" title="Other VA Life Insurance"><span></span>Other VA Life Insurance</a> <ul class="sub-sub-menu"> <li><a href="http://www.benefits.va.gov/insurance/select.asp" title="Other VA Life Insurance Page">Other VA Life Insurance Page</a></li> <li><a href="http://www.benefits.va.gov/insurance/plans.asp" title="Plans of Insurance">Plans of Insurance</a></li> <li><a href="http://www.benefits.va.gov/insurance/vri.asp" title="Veterans' Reopened Insurance">Veterans' Reopened Insurance</a></li> <li><a href="http://www.benefits.va.gov/insurance/vsli.asp" title="Veterans' Special Life Insurance">Veterans' Special Life Insurance</a></li> <li><a href="http://www.benefits.va.gov/insurance/nsli.asp" title="National Service Life Insurance WWII">National Service Life Insurance WWII</a></li> <li><a href="https://www.va.gov/resources/life-insurance-dividend-payment-options/" title="Dividend Payment Options Available">Dividend Payment Options Available</a></li> <li><a href="http://www.benefits.va.gov/insurance/dividends_special.asp" title="Special Dividend Rumor">Special Dividend Rumor</a></li> <li><a href="https://www.insurance.va.gov/UnclaimedFunds/" title="Search for Unclaimed Funds">Search for Unclaimed Funds</a></li> </ul> </ul> <li><a href="#" title="Pension"><span></span>Pension</a> <ul class="sub-menu"> <li><a href="http://www.benefits.va.gov/pension/index.asp" title="Pension Home Page">Pension Home Page</a></li> <li><a href="#" title="Veterans Pension"><span></span>Veterans Pension</a> <ul class="sub-sub-menu"> <li><a href="http://www.benefits.va.gov/pension/vetpen.asp" title="Veterans Pension Page">Veterans Pension Page</a></li> <li><a href="http://www.benefits.va.gov/pension/pencalc.asp" title="How to Calculate Pension">How to Calculate Pension</a></li> <li><a href="http://www.benefits.va.gov/COMPENSATION/claimexam.asp" title="Compensation & Pension Exam page">Compensation & Pension Exam</a></li> </ul> <li><a href="#" title="Survivors Pension"><span></span>Survivors Pension</a> <ul class="sub-sub-menu"> <li><a href="http://www.benefits.va.gov/pension/spousepen.asp" title="Survivors Pension Page">Survivors Pension Page</a></li> <li><a href="http://www.benefits.va.gov/pension/spousepencalc.asp" title="Spouse’s Death Pension Calculation">Spouse’s Death Pension Calculation</a></li> </ul> <li><a href="http://www.benefits.va.gov/pension/aid_attendance_housebound.asp" title="Aid and Attendance and Housebound">Aid and Attendance and Housebound</a></li> <li><a href="http://www.benefits.va.gov/pension/wartimeperiod.asp" title="Eligible Wartime Periods">Eligible Wartime Periods</a></li> <li><a href="#" title="Rates"><span></span>Rates</a> <ul class="sub-sub-menu"> <li><a href="http://www.benefits.va.gov/pension/rates.asp" title="Rates Page">Rates Page</a></li> <li><a href="http://www.benefits.va.gov/pension/current_rates_veteran_pen.asp" title="Rates: Veterans Pension">Rates: Veterans Pension</a></li> <li><a href="http://www.benefits.va.gov/pension/current_rates_survivor_pen.asp" title="Rates: Survivors Pension">Rates: Survivors Pension</a></li> </ul> </ul> <li><a href="https://benefits.va.gov/benefits/appeals.asp" title="Appeals Modernization page" target="_blank">Appeals Modernization</a></li> <li><a href="#" title="Services"><span></span>Services</a> <ul class="sub-menu"> <li><a href="http://www.benefits.va.gov/benefits/services.asp" title="Services Home Page">Services Home Page</a></li> <li><a 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Links to viewer software can be found <a href="http://www.va.gov/viewer.htm" title="Viewer Software">at this link</a>.</p> </div> <p><a rel="noopener noreferrer" href="/INSURANCE/docs/ScheduleOfLosses.pdf" target="_blank">Download Adobe pdf version</a></p> <h2>Part I</h2> <p>For losses listed in Part 1, multiple losses resulting from a single traumatic event may be combined for purposes of a single payment (except where noted otherwise); however, the total payment amount may not exceed $100,000 for losses resulting from a single traumatic event, and members can be paid only once for the same loss for a single traumatic event.  The total payment amount may not exceed $100,000 for losses resulting from a single traumatic event.   For coma, hospitalization due to traumatic brain injury (TBI), and loss of activities of daily living (ADL) due to TBI, members cannot add together separate periods of consecutive days of loss to meet each milestone.   The counting of consecutive day starts over for each separate period of consecutive days’ loss.</p> <table width="100%"> <thead> <tr> <td> <p><strong> </strong></p> </td> <td> <p><strong>Loss</strong></p> </td> <td width="20%"> <p><strong>Payment<br /> Amount</strong></p> </td> </tr> </thead> <tbody> <tr> <td> <p><strong>1.</strong></p> </td> <td> <p><strong>Sight:</strong> Total and permanent loss of sight OR loss of sight that has lasted at least 120 days</p> <p>·         For each eye</p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-1-sight.asp" target="_blank">View TSGLI standard for loss of sight</a></p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>2.</strong></p> </td> <td colspan="2"> <p><strong>Hearing:</strong> Total and permanent loss of hearing</p> <table> <tbody> <tr> <td> <p>For one ear</p> </td> <td width="19%"> <p>$25,000</p> </td> </tr> <tr> <td> <p>For both ears</p> </td> <td> <p>$100,000</p> </td> </tr> </tbody> </table> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-2-hearing.asp" target="_blank">View TSGLI standard for loss of hearing</a> <span> - See change to current pop up at bottom of schedule of losses.</span></p> </td> </tr> <tr> <td> <p><strong>3.</strong></p> </td> <td> <p><strong>Speech:</strong> Total and permanent loss of speech</p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-3-speech.asp" target="_blank">View TSGLI standard for loss of speech</a></p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>4.</strong></p> </td> <td> <p><strong>Quadriplegia:</strong> complete paralysis of all four limbs</p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-4-7-paralysis.asp" target="_blank">View TSGLI standard for paralysis</a></p> </td> <td> <p>$100,000</p> </td> </tr> <tr> <td> <p><strong>5.</strong></p> </td> <td> <p><strong>Hemiplegia:</strong> complete paralysis of the upper and lower limbs on one side of the body</p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-4-7-paralysis.asp" target="_blank">View TSGLI standard for paralysis</a></p> </td> <td> <p>$100,000</p> </td> </tr> <tr> <td> <p><strong>6.</strong></p> </td> <td> <p><strong>Paraplegia:</strong> complete paralysis of both lower limbs</p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-4-7-paralysis.asp" target="_blank">View TSGLI standard for paralysis</a></p> </td> <td> <p>$100,000</p> </td> </tr> <tr> <td> <p><strong>7.</strong></p> </td> <td> <p><strong>Uniplegia:</strong> complete paralysis of one limb*</p> <p> </p> <p>·        For each limb</p> <p><em>* Note:  </em><em>Payment for uniplegia of arm cannot be combined with loss 9 or 10 for the same arm. The higher payment for uniplegia or Loss 14 will be made for the same arm. Payment for uniplegia of leg cannot be combined with loss 11 or 12 for the same leg. The higher payment for uniplegia or Loss 13 will be made for the same leg.  The higher payment for uniplegia or Loss 15 will be made for the same leg.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-4-7-paralysis.asp" target="_blank">View TSGLI standard for paralysis</a></p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>8.</strong></p> </td> <td> <p><strong>Burns*:</strong></p> <p>2nd degree or worse burns to at least 20% of the body including the face OR, at least 20% of the face</p> <p> </p> <p><em>*Note: Road Rash is not considered a burn, but rather a wound, and thus, will be evaluated under OTI hospitalization or OTI ADL.</em></p> <p> </p> <p> </p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-8-burns.asp" target="_blank">View TSGLI standard for burns</a></p> </td> <td> <p>$100,000</p> <p> </p> <p>$100,000</p> </td> </tr> <tr> <td> <p><strong>9.</strong></p> </td> <td> <p><strong>Amputation of hand:</strong> Amputation at or above the wrist</p> <p>·         For each hand*</p> <p><em>* </em><em>Note: </em><em>Payment for amputation of hand cannot be combined with payment for loss 7 or 10 for the same hand. The higher payment for amputation of hand or Loss 14 will be made for the same hand</em><em>.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-9-amphand.asp" target="_blank">View TSGLI standard for amputation of hand</a></p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>10.</strong></p> </td> <td> <p><strong>Amputation of 4 fingers on 1 hand OR thumb alone:</strong> Amputation at or above the metacarpophalangeal joint</p> <p>·         For each hand*</p> <p>*Note:  <em>Payment for amputation of 4 fingers on 1 hand or thumb alone cannot be combined with payment for loss 7 or 9 for the same hand. The higher payment for amputation of 4 fingers on 1 hand or thumb alone or Loss 14 will be made for the same hand.</em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-10-ampfingers.asp" target="_blank">View TSGLI standard for amputation of fingers/thumb</a></p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>11.</strong></p> </td> <td> <p><strong>Amputation of foot:</strong> Amputation at or above the ankle</p> <p>·         For each foot*</p> <p><em>* Note: </em><em> Payment for amputation of foot cannot be combined with loss 7 or 12 for the same foot. The higher payment for amputation of foot or Loss 13 will be made for the same foot.  The higher payment for amputation of foot or Loss 15 will be made for the same foot.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-11-12-ampfootandalltoes.asp" target="_blank">View TSGLI standard for amputation of foot </a>- See change to current pop up at bottom of schedule of losses.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>12.</strong></p> </td> <td> <p><strong>Amputation of all toes including the big toe on 1 foot:</strong> Amputation at or above the metatarsophalangeal joint</p> <p>·         For each foot</p> <p><em>* Note: </em><em>Payment for amputation of all toes including the big toe on 1 foot cannot be combined with loss 7 or 11 for the same foot. The higher payment for amputation of all toes including the big toe on 1 foot or Loss 13 will be made for the same foot.  The higher payment for amputation of all toes including the big toe on 1 foot or Loss 15 will be made for the same foot.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-11-12-ampfootandalltoes.asp" target="_blank">View TSGLI standard for amputation of all toes</a> - See change to current pop up at bottom of schedule of losses.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>13.</strong></p> </td> <td> <p><strong>Amputation of big toe only, OR other 4 toes on 1 foot:</strong> Amputation at or above the metatarsophalangeal joint</p> <p>·         For each foot*</p> <p><em>*Note: The higher payment for </em><em>amputation of big toe only, or other 4 toes on 1 foot</em><em> or Loss 7 will be made for the same foot.  The higher payment for </em><em>amputation of big toe only, or other 4 toes on 1 foot</em><em>, or Loss 11 will be made for the same foot.  The higher payment for </em><em>amputation of big toe only, or other 4 toes on 1 foot,</em><em> or Loss 12 will be made for the same foot.  The higher payment for </em><em>amputation of big toe only, or other 4 toes on 1 foot,</em><em> or Loss 15 will be made for the same foot.</em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-13-ampfourtoesorbigtoe.asp" target="_blank">View TSGLI standard for amputation of 4 toes, or big toe</a>- See change to current pop up at bottom of schedule of losses.</p> </td> <td> <p>$25,000</p> </td> </tr> <tr> <td> <p><strong>14.</strong></p> </td> <td> <p><strong>Limb reconstruction of arm:</strong> a surgical process, usually involving bone or skin grafts, bone resection, reconstruction, and or plastic surgery techniques, designed to treat post-traumatic limb defects that can severely limit long-term function</p> <p>·         For each arm*</p> <ul> <ul> <li>One of four surgical processes</li> <li>Two of four surgical processes</li> </ul> </ul> <p><em>* Note1: T</em><em>he higher payment for limb reconstruction of arm or Loss 7 will be made for the same arm.  The higher payment for limb reconstruction of arm or Loss 9 will be made for the same arm.  The higher payment for limb reconstruction of arm or Loss 10 will be made for the same arm.  </em></p> <p><em>**Note 2:  Fasciotomy and debridement, in and of themselves, do not constitute limb reconstruction, nor do injuries and conditions such as closed and open fractures or compartment syndrome.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-14-15-limbreconstruction.asp" target="_blank">View TSGLI standard for limb reconstruction</a> - See change to current pop up at bottom of schedule of losses.</p> </td> <td> <p>$25,000</p> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>15.</strong></p> </td> <td> <p><strong>Limb reconstruction of leg:</strong> a surgical process, usually involving bone or skin grafts, bone resection, reconstruction, and or plastic surgery techniques, designed to treat post-traumatic limb defects that can severely limit long-term function</p> <ul> <li>For each leg*</li> <ul> <li>One of four surgical processes</li> <li>Two of four surgical processes</li> </ul> </ul> <p><em>* Note 1:</em><em> The higher payment for </em><em>limb reconstruction of leg</em><em> or Loss 7 will be made for the same leg.  The higher payment for </em><em>limb reconstruction of leg</em><em> or Loss 11 will be made for the same leg.  The higher payment for </em><em>limb reconstruction of leg</em><em> or Loss 12 will be made for the same leg.  The higher payment for </em><em>limb reconstruction of leg</em><em> or Loss 13 will be made for the same leg.  </em></p> <p><em>**Note 2:  Fasciotomy and debridement, in and of themselves, do not constitute limb reconstruction, nor do injuries and conditions such as closed and open fractures or compartment syndrome.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-14-15-limbreconstruction.asp" target="_blank">View TSGLI standard for limb reconstruction</a> - See change to current pop up at bottom of schedule of losses.</p> </td> <td> <p>$25,000</p> <p>$50,000</p> </td> </tr> <tr> <td rowspan="7"> <p><strong>16.</strong></p> </td> <td colspan="2"> <p><strong>Facial Reconstruction:</strong> reconstructive surgery to correct traumatic avulsions of the face or jaw that cause discontinuity defects.</p> </td> </tr> <tr> <td> <p>·         <strong>Jaw -</strong> surgery to correct discontinuity loss of the upper or lower jaw (requires bone loss)</p> </td> <td> <p>$75,000</p> </td> </tr> <tr> <td> <p>·         <strong>Nose -</strong> surgery to correct discontinuity loss of 50% or more of the cartilaginous nose (requires cartilage/tissue loss)</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td colspan="2"> <p>·         <strong>Lips -</strong> surgery to correct discontinuity loss of 50% or more of the upper or lower lip (requires tissue loss)</p> <table> <tbody> <tr> <td> <p>For one lip</p> </td> <td width="19%"> <p>$50,000</p> </td> </tr> <tr> <td> <p>For both lips</p> </td> <td> <p>$75,000</p> </td> </tr> </tbody> </table> </td> </tr> <tr> <td> <p>·         <strong>Eyes -</strong> surgery to correct discontinuity loss of 30% or more of the periorbita (requires tissue loss)</p> <p>·         For each eye</p> </td> <td> <p>$25,000</p> </td> </tr> <tr> <td> <p>·         <strong>Facial Tissue -</strong> surgery to correct discontinuity loss in 50% or more of any of the following facial subunits: forehead, temple, zygomatic, mandibular, infraorbital or chin. (requires loss of bone or tissue)</p> <p>·         For each facial subunit</p> </td> <td> <p>$25,000</p> </td> </tr> <tr> <td colspan="2"> <p><em>Note 1: Injuries listed under facial reconstruction may be combined with each other, but the maximum benefit for facial reconstruction may not exceed $75,000.</em></p> <p><em>Note 2: Any injury or combination of injuries under facial reconstruction may also be combined with other injuries listed in Part I and treated as one loss, provided that all injuries are the result of a single traumatic event. However, the total payment amount may not exceed $100,000.</em></p> <p><em>Note 3:  The loss of teeth alone does not meet the loss standard for facial reconstruction from surgery on a TSGLI member’s jaw.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-16-facialrecon.asp" target="_blank">View TSGLI standard for facial reconstruction</a> - See change to current pop up at bottom of schedule of losses.</p> </td> </tr> <tr> <td> <p><strong>17.</strong></p> </td> <td colspan="2"> <p><strong>Coma from traumatic injury AND/OR Traumatic Brain Injury resulting in inability to perform at least 2 Activities of Daily Living (ADL)</strong></p> <table> <tbody> <tr> <td> <p>at 15th consecutive day of coma or ADL loss</p> </td> <td width="19%"> <p>$25,000</p> </td> </tr> <tr> <td> <p>at 30th consecutive day of coma or ADL loss</p> </td> <td> <p>an additional $25,000</p> </td> </tr> <tr> <td> <p>at 60th consecutive day of coma or ADL loss</p> </td> <td> <p>an additional $25,000</p> </td> </tr> <tr> <td> <p>at 90th consecutive day of coma or ADL loss</p> </td> <td> <p>an additional $25,000</p> </td> </tr> </tbody> </table> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-17-comatbi.asp" target="_blank">View TSGLI standard for coma/TBI</a> - See change to current pop up at bottom of schedule of losses.</p> </td> </tr> <tr> <td> <p><strong>18.</strong></p> </td> <td> <p><strong>Hospitalization due to traumatic brain injury</strong></p> <p>·         at 15th consecutive day of hospitalization</p> <p><em>Note 1: Payment for hospitalization may only replace the first ADL milestone in loss 17, and payment will be made for 15-day hospitalization, coma, or the first ADL milestone, whichever occurs earlier. Once payment has been made for the first payment milestone in loss 17, there are no additional payments for subsequent 15-day hospitalization due to the same traumatic injury.   To receive an additional ADL payment amount under loss 17 after payment for hospitalization in the first payment milestone, the member must reach the next payment milestones of 30, 60, or 90 days.  </em></p> <p><em>Note 2: Duration of hospitalization includes the dates on which a member is transported from the injury site to a hospital as defined in 42 U.S.C. 1395x(e) or skilled nursing facility as defined in 42 U.S.C. 13951-3(a), admitted to the hospital or facility, transferred between a hospital or facility, leave the hospital or facility for a therapeutic trip, and discharged from the hospital or facility</em><em>.</em></p> <p><em> </em><em>Note 3:  In cases where a member is hospitalized for 15 consecutive days for a diagnostic assessment for PTSD and the assessment determines the member has PTSD and not TBI, this loss is not payable because the loss was due to illness or disease and is excluded from payment.  In cases where the member is found to have TBI, or both TBI and PTSD, the loss is payable for $25,000.  In cases where the member is hospitalized for 15 consecutive days for a diagnostic assessment for TBI and the assessment determines the member has PTSD and not TBI, the member has TBI, or the member has TBI and PTSD, the loss is payable for $25,000.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-18-hospitalizationtbi.asp" target="_blank">View TSGLI standard for hospitalization due to TBI</a> - See change to current pop up at bottom of schedule of losses.</p> </td> <td> <p>$25,000</p> </td> </tr> <tr> <td rowspan="13"> <p><strong>19.</strong></p> </td> <td colspan="2"> <p><strong>Genitourinary Losses</strong></p> </td> </tr> <tr> <td> <p><strong>Anatomical loss of the penis</strong></p> <p>Anatomical loss of the penis is defined as amputation of the glans penis or any portion of the shaft of the penis above the glans penis (i.e. closer to the body) or damage to the glans penis or shaft of the penis that requires reconstructive surgery.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Permanent loss of use of the penis</strong></p> <p>Permanent loss of use of the penis is defined as damage to the glans penis or shaft of the penis that results in complete loss of the ability to perform sexual intercourse that is reasonably certain to continue throughout the lifetime of the member.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Anatomical loss of one testicle</strong></p> <p>Anatomical loss of the testicle(s) is defined as the amputation of, or damage to, one or both testicles that requires testicular salvage, reconstructive surgery, or both.</p> </td> <td> <p>$25,000</p> </td> </tr> <tr> <td> <p><strong>Anatomical loss of both testicles</strong></p> <p>See above - Same definition as anatomical loss of one testicle.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Permanent loss of use of both testicles</strong></p> <p>Permanent loss of use of both testicles is defined as damage to both testicles resulting in the need for hormonal replacement therapy that is medically required and reasonably certain to continue throughout the lifetime of the member.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Anatomical loss of the vulva, uterus, or vaginal canal</strong></p> <p>Anatomical loss of the vulva, uterus, or vaginal canal is defined as the complete or partial amputation of the vulva, uterus, or vaginal canal or damage to the vulva, uterus, or vaginal canal that requires reconstructive surgery.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Permanent loss of use of the vulva or vaginal canal</strong></p> <p>Permanent loss of use of the vulva or vaginal canal is defined as damage to the vulva or vaginal canal that results in complete loss of the ability to perform sexual intercourse that is reasonably certain to continue throughout the lifetime of the member.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Anatomical loss of one ovary</strong></p> <p>Anatomical loss of the ovary(ies) is defined as the amputation of one or both ovaries or damage to one or both ovaries that requires ovarian salvage, reconstructive surgery, or both.</p> </td> <td> <p>$25,000</p> </td> </tr> <tr> <td> <p><strong>Anatomical loss of both ovaries</strong></p> <p>See above - Same definition as anatomical loss of one ovary.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Permanent loss of use of both ovaries</strong></p> <p>Permanent loss of use of both ovaries is defined as damage to both ovaries resulting in the need for hormonal replacement therapy that is medically required and reasonably certain to continue throughout the lifetime of the member.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td> <p><strong>Total and permanent loss of urinary system function</strong></p> <p>Total and permanent loss of urinary system function is defined as damage to the urethra, ureter(s), both kidneys, bladder, or urethral sphincter muscle(s) that requires urinary diversion and/or hemodialysis, either of which is reasonably certain to continue throughout the lifetime of the member.</p> </td> <td> <p>$50,000</p> </td> </tr> <tr> <td colspan="2"> <p><em>Note 1: Losses due to genitourinary injuries may be combined with each other, but the maximum benefit for genitourinary losses may not exceed $50,000.</em></p> <p><em>Note 2: Any genitourinary loss may be combined with other injuries listed in § 9.21(c)(19)(i)-(xiii) and treated as one loss, provided that at all losses are the result of a single traumatic event. However, the total payment may not exceed $100,000.</em></p> </td> </tr> </tbody> </table> <br /><br /> <h2>Part II</h2> <p>For losses listed in Part II, payment amounts MAY NOT be combined with payment amounts in Part I - only the higher amount will be paid. The total payment amount MAY NOT exceed $100,000 for multiple injuries resulting from a single traumatic event and members can be paid only once for the same loss for a single traumatic event.  For hospitalization due to other traumatic injury (OTI), and loss of ADL due to OTI, members cannot add together separate periods of consecutive days of loss to meet each milestone.   The counting of consecutive day starts over for each separate period of consecutive days’ loss.</p> <table> <thead> <tr> <td> <p><strong> </strong></p> </td> <td> <p><strong>Loss</strong></p> </td> <td width="20%"> <p><strong>Payment<br /> Amount</strong></p> </td> </tr> </thead> <tbody> <tr> <td> <p><strong>20.</strong></p> </td> <td colspan="2"> <p><strong>Traumatic injury resulting in inability to perform at least 2 Activities of Daily Living (ADL)</strong></p> <table> <tbody> <tr> <td> <p>at 30th consecutive day of ADL loss</p> </td> <td width="19%"> <p>$25,000</p> </td> </tr> <tr> <td> <p>at 60th consecutive day of ADL loss</p> </td> <td> <p>an additional $25,000</p> </td> </tr> <tr> <td> <p>at 90th consecutive day of ADL loss</p> </td> <td> <p>an additional $25,000</p> </td> </tr> <tr> <td> <p>at 120th consecutive day of ADL loss</p> </td> <td> <p>an additional $25,000</p> </td> </tr> </tbody> </table> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-20-adl.asp" target="_blank">View TSGLI standard for loss of ADL</a> - See change to current pop up at bottom of schedule of losses.</p> </td> </tr> <tr> <td> <p><strong>21.</strong></p> </td> <td> <p><strong>Hospitalization due to traumatic injury</strong></p> <p>·         at 15th consecutive day of hospitalization</p> <p><em>Note 1:  Payment for hospitalization may only replace the first ADL milestone in loss 20, and payment will be made for 15-day hospitalization, or the first ADL milestone, whichever occurs earlier. Once payment has been made for the first payment milestone in loss 20, there are no additional payments for subsequent 15-day hospitalization due to the same traumatic injury.   To receive an additional ADL payment amount under loss 20 after payment for hospitalization in the first payment milestone, the member must reach the next payment milestones of 60, 90, or 120 days.  </em></p> <p><em>.Note 2: Duration of hospitalization includes the dates on which a member is transported from the injury site to a hospital as defined in 42 U.S.C. 1395x(e) or skilled nursing facility as defined in 42 U.S.C. 13951-3(a), admitted to the hospital or facility, transferred between a hospital or facility, leave the hospital or facility for a therapeutic trip, and discharged from the hospital or facility</em><em>.</em></p> <p><em> </em></p> <p><a href="https://www.benefits.va.gov/INSURANCE/tsgliPopups/tsgli-schedule-21-hospitalizationoti.asp" target="_blank">View TSGLI standard for hospitalization due to traumatic injury</a> - See change to current pop up at bottom of schedule of losses.</p> </td> <td> </td> </tr> </tbody> </table> <div class="top_link"><a href="#top">return to top <img width="7" height="10" src="/va_files/2012/images/arrow_up.png" alt="go"></a></div><div class="clear"></div> </div>  <div id="innerRightContent"> <div class="widget"> <div class="widget-title"><h4>I Want To....</h4></div> <div class="widget-user"> <ul> <li><a title="Learn How to File a Death Claim for Insurance" href="/INSURANCE/file_death_claim.asp" target="_blank">Learn How to File a Death Claim for Insurance</a></li> <li><a title="Upload Documents (non-SGLI/VGLI)" href="https://insurance.va.gov/Home/IDU" target="_blank">Upload Documents (non-SGLI/VGLI)</a></li> <li><a title="Update My Beneficiary (non-SGLI/VGLI)" href="/INSURANCE/updatebene.asp" target="_blank">Update My Beneficiary (non-SGLI/VGLI)</a></li> <li><a title="Learn About the New VA Life Insurance Program (VALife)" 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