SGLI is a life insurance policy, purchased by the department of veteran’s affairs. SGLI coverage available from $50,000 to maximum of $400,000. Every serviceman is automatically insured for maximum coverage unless they decline the coverage.  All members of Army, Navy, Marine Corps, Air Force, Coast Guard, National oceanic and Atmospheric Administration Commissioned Corps and United States Public Health Service Commissioned Corps are benefited under this scheme, including Cadets, Midshipman of US and ROTC. Serviceman can change their coverage if they wish to change. The serviceman insured can elect anyone to be beneficiary on the policy and they get the amount after service member’s death. There are certain criteria, that serviceman should meet to be continuously eligible for coverage. There is a form in SGLI called 8286.Members use this form to decline SGLI coverage. Benefit of policies are designated on SGLI form 8286.Often beneficiary changes are not effective. Policy holder’s first claim before money can be disbursed.

Denied SGLI Claim is common, because the law governing claims are complex. SGLI claims get delayed because of misinterpreting and it’s also denied in case there was no coverage at the time of member’s death. The first day of active duty is the effective date for SGLI policy. The denied policy may be recovered through litigation. If a member is rendered uninsurable or dies before 120 days thereafter from disability incurred on active duty, then the lawyer consider the following factors:

  • The immediate cause of disability or death.
  • The member’s itinerary.
  • The call or order to duty.

Some examples cases dealing SGLI claims:

  • An air force captain was murdered by his wife, the primary beneficiary of SGLI policy is received by his son and daughter.
  • SGLI policy of a navy man is changed to VGLI application when he left navy, whether the signature in the new policy is valid or not it’s the issue.

Dealing these cases without attorney could persist for month when we choose our attorney make sure you will ask this question to him/her:

  • Whether he/she will refer another attorney for your case.
  • How many cases he/she settled so for?
  • From where we can find reviews for his work?

Answers to these questions from your lawyer are important from that we will decide he/she is best suited for this case or not.

Forfeitures of SGLI Claim: If convicted to crime such as desertion, espionage, treason or mutiny the claim will frequently forfeit. Even there some are ways to get the claims.

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