Hello I suffered loss of two ADL's back in 2003 and started getting treatment for them in 2005. I went through an MEB and my last day in the guard was 12/26/2014. I had no idea that TSGLI would cover for loss of ADL's. Do you think its too late to file a claim for them? since I am now "Out" and this happened so long ago, what do you think are the odds of them giving me anything but a "too bad, so sad"?