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                <text>The Department of Justice received more than 11,000 e-mails in response to the agency's public solicitation for comments upon its plans to distribute the September 11th Victim Compensation Fund of 2001 established by Congress to benefit the victims of September 11 and their families.  These e-mails have been organized here by date.</text>
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Friday, November 23, 2001 2:08 PM

Fwd: Comments on Rulemaking






Attachment 1:




Comments on Rulemaking



My name is           .  I am the surviving spouse of           , 
who died at the World Trade Center on Sept. 11, 2001.  We have two children,      
       , 19 and           , 17.  Our address is            Rockville 
Centre, N.Y.     



I have read Title IV of the Act, and my comments are as follows:



     The Rules dealing with Collateral Sources must make a distinction for 
insurance proceeds that are received under policies paid for by the 
decedent's family.  Otherwise, similarly situated victim's families will 
receive unequal treatment depending on how they provided for life insurance.  
As a simple example, we paid substantial premiums for life insurance for 
almost 20 years.  Assume that another family decided to self-insure, and 
instead of paying premiums, he/she places the amount equal to our premiums in 
a bank account or into a mutual fund.  Twenty years later, we have the 
insurance proceeds, the other person has an appreciated bank account or 
appreciated mutual fund balance.  Our insurance proceeds reduce our award, 
but his self-insurance fund does not reduce his/her award. At the very least, 
the collateral source amount should be reduced by the premiums paid plus 
interest.



     We would also point out that although some life insurance proceeds are 
paid through company plans, we, in effect, paid for the coverage by virtue of 
the fact that the premium amount was imputed as income to us.



     The Rules relating to Sec. 405(3)(B) should make clear that if our award 
is reduced by Collateral Sources, that we could file a civil action to 
recover the amount that reduced our award.



Sincerely yours,



Individual Comment
 
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