DEPARTMENT OF THE NAVY
OFFICE OF THE CHIEF OF NAVAL OPERATIONS
2000 NAVY PENTAGON
WASHINGTON DC 20350-2000
OPNAVINST 1770.3A
PERS-13/N1
5 Nov 2018
OPNAV INSTRUCTION 1770.3A
From: Chief of Naval Operations
Subj: TRAUMATIC INJURY SERVICEMEMBERS’ GROUP LIFE INSURANCE
Ref: (a) Public Law 109-13
(b) SECNAVINST 1770.4
(c) Traumatic Injury Protection Under Servicemembers’ Group Life Insurance (TSGLI),
A Procedural Guide of 5 June 2018
1. Purpose
a. To delineate the organizational responsibilities required to manage and administer the
Navy's Traumatic Injury Servicemembers’ Group Life Insurance (TSGLI) Protection Program.
b. Major changes in this revision include clarification of assignments within the
administration and execution of the TSGLI Protection Program, as well as a revised appeals
process. This instruction is a complete revision and should be read in its entirety.
2. Cancellation. OPNAVINST 1770.3.
3. Applicability. All Active Component and Reserve Component Sailors with full time
Servicemember’s Group Life Insurance (SGLI) coverage are automatically covered under the
TSGLI program.
4. Background. The TSGLI Protection Program was established by reference (a), section 1032,
and program policy generated in reference (b). TSGLI provides traumatic injury protection for
all uniformed Service members who are severely injured (on or off duty) as a result of a
traumatic event that results in a loss that qualifies for payment under the TSGLI Protection
Program. The insurance proceeds are paid to the injured Service member or his or her
designated SGLI beneficiary(s) if the member dies prior to receiving payment.
5. Discussion. The TSGLI Protection Program is designed to help traumatically injured Service
members and their families with financial burdens associated with recovering from a severe
injury. Qualifying losses are outlined in reference (c); a list of which is available at
https://www.benefits.va.gov/INSURANCE/tsgli_schedule_Schedule.asp. Reference (c) in its
entirety can be downloaded at http://www.benefits.va.gov/INSURANCE/ins_publications.asp
