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Life Insurance

SGLI Disability Extension

If you are totally disabled at the time of separation (unable to work), you can apply for the SGLI Disability Extension, which provides free coverage for up to two years from the date of separation. While you do not need to apply for SGLI coverage, an extension of SGLI due to total disability is not automatic. You must apply to the Office of Servicemembers' Group Life Insurance (OSGLI) for the extension. At the end of the extension period, you automatically become eligible for VGLI, subject to premium payments.


You are eligible for the SGLI Disability Extension if you are totally disabled at time of discharge. To be considered totally disabled, you must have a disability that prevents you from being gainfully employed, OR have one of the following conditions, regardless of your employment status:

  • Permanent loss of use of both hands
  • Permanent loss of use of both feet
  • Permanent loss of use of both eyes
  • Permanent loss of use of one hand and one foot
  • Permanent loss of use of one foot and one eye
  • Permanent loss of use of one hand and one eye
  • Total loss of hearing in both ears
  • Organic loss of speech (lost ability to express oneself, both by voice and whisper, through normal organs for speech - being able to speak with an artificial appliance is disregarded in determination of total disability)


There is no cost to you once approved for the SGLI Disability Extension.

How to Apply

To receive SGLI Disability Extension, you must complete and submit SGLV 8715, Application for the Servicemembers' Group Life Insurance (SGLI) Disability Extension.