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The Act expands insurance coverage for veterans who suffered traumatic injuries and authorizes greater disability compensation for veterans with residual traumatic brain injury.

In October 2010, President Obama signed the Veterans Benefits Act of 2010. The law seeks improvements in various services provided to military veterans, and it especially helps injured veterans by expanding coverage under the Traumatic Injury Protection Under Servicemembers' Group Life Insurance (TSGLI) program and permitting additional disability compensation for traumatic brain injury.

The Veterans' Benefits Act addresses the needs of veterans in several ways, including:

- Improving employment opportunities

- Reducing and preventing homelessness among veterans

- Increasing insurance limits

- Prohibiting wage discrimination against members of the armed forces

- Expanding funeral benefits and plot allowances

- Bolstering education benefits

- Supporting research on Gulf War Syndrome and associated illness

In addition, a significant portion of the Act expands insurance coverage for veterans who suffered traumatic injuries while serving by modifying the terms of eligibility for payments under TSGLI. It also authorizes greater disability compensation for veterans with traumatic injuries resulting in residual brain injury or prosthetic use.

The Veterans Benefits Act of 2010 changed the TSGLI provisions so TSGLI coverage will be provided retroactively to all members of the armed forces who suffered qualifying losses from traumatic injuries occurring between October 7, 2001 and November 30, 2005, regardless of where the injuries occurred and regardless of whether the member had SGLI coverage at the time.

This is a significant change from the previous law that only provided coverage for traumatic injuries suffered in the theater of war in Operation Enduring Freedom or Operation Iraqi Freedom. Under the new law, members of the military may be eligible for TSGLI payments for injuries suffered in non-combat conditions like training or motor vehicle accidents while serving stateside or outside of the operations in Iraq and Afghanistan, according to the U.S. Navy.

The expansion of coverage is effective October 1, 2011 and will apply retroactively to injuries suffered from October 7, 2001 to November 30, 2005.

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