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Life Insurance

TSGLI Loss Standards

 

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Part I

For losses listed in Part I, multiple injuries resulting from a single traumatic event may be combined with each other and treated as one loss for purposes of a single payment (except where noted otherwise), however, the total payment amount MAY NOT exceed $100,000.

Loss Payment
Amount
1.

Sight: Total and permanent loss of sight OR loss of sight that has lasted at least 120 days

  • For each eye
View TSGLI standard for loss of sight

$50,000

2.

Hearing: Total and permanent loss of hearing

For one ear

$25,000

For both ears

$100,000

View TSGLI standard for loss of hearing
3.

Speech: Total and permanent loss of speech

View TSGLI standard for loss of speech

$50,000

4.

Quadriplegia: complete paralysis of all four limbs

View TSGLI standard for paralysis

$100,000

5.

Hemiplegia: complete paralysis of the upper and lower limbs on one side of the body

View TSGLI standard for paralysis

$100,000

6.

Paraplegia: complete paralysis of both lower limbs

View TSGLI standard for paralysis

$100,000

7.

Uniplegia: complete paralysis of one limb*

* Note: Payment for uniplegia of arm cannot be combined with loss 9, 10 or 14 for the same arm. Payment for uniplegia of leg cannot be combined with loss 11, 12, 13 or 15 for the same leg.

View TSGLI standard for paralysis

$50,000

8.

Burns: 2nd degree or worse burns to at least 20% of the body including the face OR, at least 20% of the face

View TSGLI standard for burns

$100,000

9.

Amputation of hand: Amputation at or above the wrist

  • For each hand*

* Note: Payment for loss 9 cannot be combined with payment for loss 10 for the same hand.

View TSGLI standard for amputation of hand

$50,000

10.

Amputation of 4 fingers on 1 hand OR thumb alone: Amputation at or above the metacarpophalangeal joint

  • For each hand
View TSGLI standard for amputation of fingers/thumb

$50,000

11.

Amputation of foot: Amputation at or above the ankle

  • For each foot*

* Note: Payment for loss 11 cannot be combined with payments for losses 12 or 13 for the same foot.

View TSGLI standard for amputation of foot

$50,000

12.

Amputation of all toes including the big toe on 1 foot: Amputation at or above the metatarsophalangeal joint

  • For each foot

* Note: Payment for loss 12 cannot be combined with payments for loss 13 for the same foot.

View TSGLI standard for amputation of toes

$50,000

13.

Amputation of big toe only, OR other 4 toes on 1 foot: Amputation at or above the metatarsophalangeal joint

  • For each foot
View TSGLI standard for amputation of toes

$25,000

14.

Limb salvage of arm: Salvage of arm in place of amputation

  • For each arm*

* Note: Payment for loss 14 cannot be combined with payments for losses 9 or 10 for the same arm.

View TSGLI standard for limb salvage

$50,000

15.

Limb salvage of leg: Salvage of leg in place of amputation

  • For each leg*

* Note: Payment for loss 15 cannot be combined with payments for losses 11, 12 or 13 for the same leg.

View TSGLI standard for limb salvage

$50,000

16.

Facial Reconstruction: reconstructive surgery to correct traumatic avulsions of the face or jaw that cause discontinuity defects.

  • Jaw - surgery to correct discontinuity loss of the upper or lower jaw

$75,000

  • Nose - surgery to correct discontinuity loss of 50% or more of the cartilaginous nose

$50,000

  • Lips - surgery to correct discontinuity loss of 50% or more of the upper or lower lip

For one lip

$50,000

For both lips

$75,000

  • Eyes - surgery to correct discontinuity loss of 30% or more of the periorbita
    • For each eye

$25,000

  • Facial Tissue - surgery to correct discontinuity loss of the tissue in 50% or more of any of the following facial subunits: forehead, temple, zygomatic, mandibular, infraorbital or chin.
    • For each facial subunit

$25,000

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.

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.

View TSGLI standard for facial reconstruction
17.

Coma from traumatic injury AND/OR Traumatic Brain Injury resulting in inability to perform at least 2 Activities of Daily Living (ADL)

at 15th consecutive day of coma or ADL loss

$25,000

at 30th consecutive day of coma or ADL loss

an additional $25,000

at 60th consecutive day of coma or ADL loss

an additional $25,000

at 90th consecutive day of coma or ADL loss

an additional $25,000

View TSGLI standard for coma/TBI
18.

Hospitalization due to traumatic brain injury

  • at 15th consecutive day of hospitalization

Note 1: Payment for hospitalization replaces the first payment period in loss 17.

Note 2: Duration of hospitalization includes dates on which member is transported from the injury site to a facility described in 9.20(e)(6)(xiii), admitted to the facility, transferred between facilities, and discharged from the facility.

View TSGLI standard for hospitalization due to TBI

$25,000

19.

Genitourinary Losses

Anatomical loss of the penis

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.

$50,000

Permanent loss of use of the penis

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.

$50,000

Anatomical loss of one testicle

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.

$25,000

Anatomical loss of both testicles

See above - Same definition as anatomical loss of one testicle.

$50,000

Permanent loss of use of both testicles

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.

$50,000

Anatomical loss of the vulva, uterus, or vaginal canal

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.

$50,000

Permanent loss of use of the vulva or vaginal canal

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.

$50,000

Anatomical loss of one ovary

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.

$25,000

Anatomical loss of both ovaries

See above - Same definition as anatomical loss of one ovary.

$50,000

Permanent loss of use of both ovaries

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.

$50,000

Total and permanent loss of urinary system function

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.

$50,000

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.

Note 2: Any genitourinary loss may be combined with other (TSGLI) injuries listed in 9.20(f)(1) through (18) and treated as one loss, provided that all losses are the result of a single traumatic event. However, the total payment may not exceed $100,000.



Part II

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.

Loss Payment
Amount
20.

Traumatic injury resulting in inability to perform at least 2 Activities of Daily Living (ADL)

at 30th consecutive day of ADL loss

$25,000

at 60th consecutive day of ADL loss

an additional $25,000

at 90th consecutive day of ADL loss

an additional $25,000

at 120th consecutive day of ADL loss

an additional $25,000

View TSGLI standard for loss of ADL
21.

Hospitalization due to traumatic injury

  • at 15th consecutive day of hospitalization

Note 1: Payment for hospitalization replaces the first payment period in loss 19.

Note 2: Duration of hospitalization includes dates on which member is transported from the injury site to a facility described in 9.20(e)(6)(xiii), admitted to the facility, transferred between facilities, and discharged from the facility.

View TSGLI standard for hospitalization due to traumatic injury

$25,000

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