“Dude, there was a guy over in 1st Battalion that died in a motorcycle accident, and listen to this shit – he wasn’t wearing a reflective belt, so they denied his family the SGLI.”
“Why do you have to wear eye-protection, you ask? Well first of all, if god-forbid you should get shrapnel to the face and you go blind, the Army won’t cover your medical expenses because you weren’t wearing proper PPE. Roger?”
Since I’ve been in the Army, I’ve heard variations of the above myth. Like most Army myths, there are never any first or even second-hand accounts; just stories about unidentifiable guys in other units. For the unitiated, Servicemembers’ Group Life Insurance, or SGLI, is the life insurance policy that all members of the Armed Forces have access to, and pretty much everyone elects to enroll in. The full coverage is $400,000, and will be paid to a beneficiary upon a servicemember’s death. As the myth goes, if a servicemember should die – be it as a result of hostile fire or simply an accident – the SGLI will not be paid if it is discovered that the servicemember wasn’t wearing a piece of normally required equipment. In most cases, I’ve heard it used in reference to motorcycle accidents and not wearing the require PPE (personal protective equipment) to include a reflective belt or vest, or not wearing eye-protection or gloves on a mission.
Of course, this is complete nonsense. It says so directly on the SGLI website on a page titled Myths and Rumors about SGLI/VGLI Insurance.
From the website:
True or False: SGLI won’t pay if I die while wearing privately purchased body armor or a privately purchased helmet.
False: SGLI claims are paid regardless of body armor or helmet type. Wearing body armor or a helmet is not a requirement for a SGLI claim to be paid.
True or False: SGLI or VGLI won’t pay if I die in a motor vehicle accident or airplane accident and wasn’t wearing a seat belt.
False: SGLI or VGLI claims are paid regardless of whether the member was or was not wearing a seatbelt.
True or False: SGLI or VGLI won’t pay if I die in a motorcycle accident and I was not wearing a helmet.
False: Your SGLI or VGLI proceeds will be paid to your beneficiary or beneficiaries, regardless of whether you were or were not wearing a helmet.
I’m almost certain that some devious NCO started this myth as a method to try to get his guys to wear the prescribed uniform. And like many other Army myths, this is one that soldiers will defend vigorously as being true, getting red in the face speaking about it, despite not having actually met or read about it actually happening.
Additionally, if it were the case that a beneficiary was denied SGLI because their loved one who died in service of their country wasn’t wearing a reflective belt, I’d like to think much hell would be raised.