Temporary Disability Retirement List – Are You Covered?

Did you know that if you have been recently placed on the Temporary Disability Retirement List (TDRL), your Servicemembers’ Group Life Insurance (SGLI), coverage will end 120 days after the date you were placed on the TDRL?  Servicemembers are placed on TDRL when their branch of service decides they are temporarily unable to perform military duties. In some cases those on TDRL will return to the military and in other cases they may be discharged on the Permanent Disability Retirement List (PDRL).   However, you can get similar coverage through Veterans’ Gr­­oup Life Insurance (VGLI), but you must apply within one year and 120 days (485 days total) from the date you were placed on the TDRL.

VA offers several coverage levels of life insurance to fit your individual needs and insure you have all the necessary coverage.  So why is life insurance important at all?  To put it simply, life insurance ensures those who depend on your paycheck are taken care of financially in the case of your death.

If you apply for VGLI within 240 days of your TDRL placement, then you can get VGLI without having to provide proof of good health—even if you have a serious injury or medical condition. In addition, if you have a disability incurred in military service that prevents you from working, then you may be eligible for up to two years of life insurance at no cost through the SGLI Disability Extension Benefit.

Don’t miss out by waiting to see if you’re placed on the Permanent Disability Retirement List (PDRL) before you apply for VGLI or the SGLI Disability Extension.  It may be too late, so take advantage of this benefit today!

Kristan Hoffman is a project manager at VA’s Insurance Center.

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