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 Posted: Thu Mar 19, 2009 4:29 am Post subject: SGLI Insurance |
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Hello
My son was in the navy for several weeks and was discharged - he passed away several weeks later. I found out he had SGLI Ins. the Navy cannot find the SGLI beneficiary form - apparently this is given to the recruits on their 7-9 day my son was moved to another ship for discharge on the 7th day. I am trying to find out if he filled out the SGLI beneficary form which is not an easy task in the mean time the Navy is telling me that if the form was not filled out or can not be found the proceeds will go to both myself and his dad. All of my son's paperwork that he filled out that was given before his discharge states me as his beneficiary 100%. His state of mind was of that when he was given any official documents. I am a single mom and I raised my son all of his life his father was involved on a limited bases. Given the fact the Navy may not of had time to get him to sign the form what are my chances of contesting the payment if they cannot find the form?[/quote] |
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lamont
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| Posted: Thu Mar 19, 2009 11:30 am Post subject: |
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Well, in absence of any designated beneficiary or spouse, the parents would receive the benefits of the deceased's SGLI plan. So, by law, both you and the father would receive the benefits of his policy.
However, regarding contesting the beneficiary issue, you may need to discuss with an attorney. IMO since you have raised your son alone, you should have a stronger claim over his policy benefits.
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Casablanca
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| Posted: Thu Mar 19, 2009 11:42 pm Post subject: insurance |
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| LAMONT....... First, I want to say I'm really sorry for your loss. I'm in the Military, myself. I WILL say this. If you join the Military ( any branch of it) it is MANDATORY that you fill sign up for a SGLI policy...for obvious reasons. Now....when forms are filled out for this, the Military personnel gets a copy of it and the Command gets the original. Their Command is correct..if they CANNOT find a copy of it, the Beneficiary will AUTOMATICALLY go to you. They ahve so many days, from your inquiry ( however, I'm not sure exactly HOW many days) to find the policy. Even if it has another Beneficiary on it, that's not YOUR fault that they lost the paperwork. If you're not getting any answers ( or if your getting the 'run around') from his 'Chain of Command', I would suggest to go to your County Representive or State Rep, and explain the situation. I've known people that have done this and their State Rep REALLY helped them. |
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sdchargersfan
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| Posted: Sun Apr 12, 2009 12:09 pm Post subject: hi |
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| In absence of designated beneficiary or spouse the benefits have to be forwarded to the parents or his wife or to the son |
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akhi0001
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| Posted: Wed Apr 15, 2009 11:23 am Post subject: insurance |
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| I think the above statement is correct.......it will AUTOMATICALLY go to the parents, spouse,etc. If there is a spouse involved, all of the Insurance will go to her/him. If there is NO spouse, (I think?) the Insurance will be split between the parents. |
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sdchargersfan
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| Posted: Thu Apr 16, 2009 2:33 pm Post subject: |
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Lamont, talk to an attorney. There is a big difference between a beneficiary not being named and one being named and the insurance company not being able to locate the paperwork.
I can't comment to SGLI specifically, but life insurance companies often have a default beneficiary if none is named. The money will go to this default beneficiary if there is one or it will go to the insured's estate. |
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InsuranceExpert
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| Posted: Fri Apr 17, 2009 6:15 am Post subject: insurance |
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| With SGLI, I'm not sure what happens to the money if there is no spouse, etc. If no family can be located, well.......I wish I had an answer to that, but, I don't. |
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sdchargersfan
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| Posted: Tue May 19, 2009 1:39 am Post subject: TSGLI |
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I recently had back surgery (TLIF) which a disc - L4/L5 - was replaced with artificial bone and a lot of metal and tramatic group life insurance (TSGLI) denied my claim because they stated in the letter that the surgery was not a result of an injury. Last year, in Iraq, when I was 35 yrs old, I felt a sharp pain in my leg and lower back when I got out of a helecopter with all of my gear on (100lb+) and went to sick call. At the time the doctor told me I only had a strain. I have medical documents that show a list of dates of physical therapy during my last two months in country. It was not until I redeplyed to Germany when I received a MRI and the Dr. informed me that I was in need of surgery because of a herniated and ruptured disc. I was told that if I had a line duty investigation (LODI) it may have been approved. My surgeon filled out his part of the app and states that it was not a disease but an injury and that I had two ADL for over three months, which was realy much longer. Where do I go from here? Is there an attorney out there that can assist?
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Soldier not qualified
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| Posted: Tue May 19, 2009 2:34 am Post subject: insurance |
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| Are you STILL serving in the Military? One reason why you were denied is because the SGLI doesn't 'work' that way. What you're saying is a 'Medical thing' ( to the Military, anyway). You can get MEDICAL Disiblilty, for the rest of your life, IF they say your injury was caused when you served in Active Duty. The Medical part has nothing to do with the Life Insurance part....hope I'm 'clear; with the differences. The Life Insurance is the in case ( God forbid) you were killed, then your Beneficiary would 'kick in' and distribute the money to whom you give it to. Life Insurance covers you 24/7 now...........24 hours a day, 7 days a week. For example: I serve in the Army Reserves. If I walk out of my apt anytime, and get hit by a car and killed, then my Life Insurance 'kicks in'. With the SGLI, however, you have to go by the laws of the state you live in, for your family to get it. For example: if you are driving a car and NOT wearing a seatbelt, and were killed, the SGLI will NOT 'cover' you because the law states you need to be wearing a seat belt when driving a car. If you are driving intoxicated, and are killed in a car accident, your SGLI will NOT cover you because you were driving drunk...........hope this is clear. |
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sdchargersfan
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| Posted: Tue May 19, 2009 6:23 am Post subject: |
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Clarify one thing to me SD... IMO what the OP has stated isn't a life insurance issue. Therefore, he is unlikely to receive any benefit from it I suppose. But aren't the soldiers covered under the military health plans for these issues?
I think he by mistake has filed the claim with the life insurance when he should have filed it with the health carrier. What do you say? |
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simon
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| Posted: Tue May 19, 2009 10:58 am Post subject: TSGLI |
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TSGLI stands for tramatic servicemembers group life insurance which is a policy coverage for service members in the event of an injury as a result of an event, not death and is payable to the servicemember.
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SNQ
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| Posted: Tue May 19, 2009 11:35 am Post subject: insurance |
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| It depends on the 'catagory' in which the Military puts the TSGLI. I hate to say this, but, the Military can 'word' it in such a way that the Soldier CANNOT get it ( ie: a Military Doctor can say the injury was there BEFORE he went to Active Duty, etc.). SIMON____SGLI IS the Life Insurance for the Military. I DO agree with you, ...it sounds like it;s possible the OP DID file it under the Life Insurance instead of the Medical. ALOT has changed, benefit wise, with the Military, since I joined. THEN..there was Life and Medical. NOW,..yes..you STILL have the Life and Medical....there are 'sub-catagories' within each one and a 'qualification' within each one. It CAN get complicated. Hope this is a bit more clear. |
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sdchargersfan
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| Posted: Thu Jun 11, 2009 4:36 am Post subject: Missing named beneficairy forms |
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I recently lost my 28 year old son-there was a life insurance policy on his job The 1st insurance company at the time the policy was taken out has been contracted out ot another insurance company-the new insurance company has state that the 1st insurance company can not find the beneficiary forms-after talking to other employees on my sons job they can't find their forms either so they all had to go back in and refill out forms with the new insurance company-this is such a hard thing to lose my son now this-is there anything i can do?(myself and the other employees are quiet sure that these forms was submitted-on my sons forms I was the named beneficiary raising him as a single mom and he was not married) Please Help
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dckc8@yahoo.com
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| Posted: Thu Jun 11, 2009 6:12 am Post subject: |
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Hi Dckc,
Have you gone through your son's document? He might have his copy at home.
Is this policy through his employment? Have you checked with his employer if they have a copy of it?
~Jeremy |
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JeremyHolter
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| Posted: Thu Jun 11, 2009 4:42 pm Post subject: insurance |
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| I'm SOOO sorry tp hear of you loss, OP. I hope they DO find the Insurance Policy. But.........(I'm just 'putting this 'out there').......is there a possibilty the policy was filled out, but, NOT summitted? This MAY be the case if no one can find the policy. |
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sdchargersfan
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