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January 13, 2002

Mr. Kenneth Feinberg
Special Master of the Sept 11 Victim Compensation Fund 
U.S. Department of Justice
Main Building, Room 3140
950 Pennsylvania Ave, NW
Washington, DC 20530-0001

     Re:  Comments on the Interim Rule of the September 11th Victim
          Compensation Fund of 2001

Dear Mr. Feinberg:

          I am writing to ask for your help to correct two inequities in the Department of
Justice's Interim Final Rule for the September 11th Victim Compensation Fund of 2001 that will
result in many families receiving no compensation from the fund.  This is because (1) the
projected economic and non-economic loss figures are unrealistically low; and (2) the Fund
reduces any award by the amount of money a victim family receives from a "collateral source."

     When Congress passed the Air Transportation Safety and System Stabilization Act on
September 22, 2001, it severely restricted September 11 victims' right to sue the airlines, which
bear ultimate responsibility for the tragedy because of lax security procedures.  In exchange for
denying victims the right to sue, Congress provided the September 11th Victim Compensation
Fund of 2001.  The Fund is supposed to compensate the victims' families for the types of losses
that would have been recoverable in a lawsuit, but without the burden and delay of litigation.

     The Interim Rule/Regulation also describes the intention of the law:

          "The Fund is designed to provide a no-fault alternative to tort litigation for
          individuals who were physically injured or killed as a result of the aircraft hijackings
          and crashes on September 11, 2001" {Interim Rule/Regulation, Summary
          Paragraph A.1.}. 

     "The attached regulations have two objectives: (1) To provide fair, predictable and
     consistent compensation to the victims of September 11 and their families throughout the
     life of the program; and (2) to do so in an expedited, efficient manner without
     unnecessary bureaucracy and needless demands on the victims." {Interim
     Rule/Regulation, Supplementary Information.}.

     The Interim Final Rule fails to meet the intent of Congress, however, because many
victims's families will net nothing after collateral source funds are subtracted from the already
undervalued economic and non-economic loss projections.

     The Interim Final Rule understates economic loss by underestimating the lifetime earning potential
of victims at all economic levels. Noted economists at the National Association of Forensic Economists
showed that the
Interim Final Rule uses outdated statistics and inappropriate methods to arrive at low estimates of
our loved one's future earnings.  An analysis done by one of these economists showed that the
actual earnings growth for firefighters is 27% higher than the DOJ estimate, the actual earnings
growth of all college educated workers is 30% higher than DOJ indicates, and actual earnings
growth for financial professionals is more than 100% higher than the DOJ estimate.

     The Interim Final Rule also falls short of Congress's goals for non-economic loss.  The
figure for presumed non-economic loss compensation of $250,000 plus an additional $50,000 for
the spouse and each dependent is rationalized as being roughly equivalent to the amounts
received by public safety officers who were killed while on duty, or members of the military who
are killed in the line of duty while serving our nation.  With all due respect to such public safety
officers and miliary personnel, they choose to go into harm's way and their loss is not the result
of corporate negligence.  On the other hand, the September 11 victims are victims of negligent
airline security.  Perhaps more realistic guidance as to the value of non-economic loss can be
found in other air crash disaster awards.  For example, non-economic losses recovered in other
air crash and terrorism cases commonly result in awards of between $2 million and $5 million. 
A more reasonable projection of non-economic loss is probably somewhere between the current
proposal and the historical litigation result.

     The Interim Final Rule reduces any compensation awards by the amount of any funds
received from collateral sources, including life insurance.  The Interim Final Rule does this
because Congress included such a provision in the Air Transportation Safety and System
Stabilization Act.  That does not make it fair; that does not make it right.  In many states, the law
on "the collateral source rule" has been well settled for over one hundred years.  Under that rule,
damages recoverable for personal injury or death, caused by the negligence of another, cannot be
reduced because of compensation received by proceeds of an insurance policy.  This is because
the wrongdoer owes full compensation for the injuries inflicted by them and any payment by a
collateral source in no way relieves the wrongdoer of their obligation.  In this instance, the
airlines and others at fault owe full compensation for the injuries resulting from their negligence. 
Any payment by a collateral source in no way relieves the airlines and others at fault of their
obligation.  This collateral source rule, which has been a fundamental part of tort victim
compensation for over a hundred years, needs to be incorporated into the September 11 Victim
Compensation Fund.

     The Interim Final Rule needs to be adjusted to provide fair, balanced and acceptable
economic and non-economic loss projections.  The economic loss charts need to be increased and
expanded depending upon the deceased's job field.  The non-economic loss amounts also need to
be increased into a range that accounts for the tragic way in which these innocent victims died
and the shattered lives they left behind.  Collateral source recoveries need to be excluded from
consideration
by the Fund.  Without these changes, the intent of Congress will not be fulfilled because there
will be no reason for many of the September 11 victim families to participate in the Fund. 
Without these changes, it will be better for many victim families to take a chance at litigation
rather than sign on to a Fund through which they will receive nothing but a waiver of their right
to sue.

     Please rectify these inequities.  Give the victim families a reason to participate in this
Fund rather than litigate.  Change the Interim Final Rule to provide economic and non-economic
amounts at fair, balanced and acceptable levels; do not offset Fund awards by collateral source
recoveries; establish a fair appeal process.  Finally please include the specific calculation
formulas, statistics and assumptions within the rule or the explanatory materials.



                              Sincerely,


Individual Comment
Alexandria, VA
 
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Saturday, March 23, 2002 3:59 PM
Fairness

I am writing to lend a LOUD voice to those from whom you have already heard - 
your policy on compensation for mates of gay and lesbians lost in the 
September 11th tragedy is unacceptable to me and should be to you too.  These 
people in committed relationships or with children are just as honorable and 
deserving as those you are compensating.  The loss hurts just as much and the 
consequences are just as dire.
Where is your sense of justice and fairness.  How do you go sleep at night 
know you support this discrimination?  I thought your function was to help 
and comfort, not to cause more pain.  How do you explain and JUSTIFY your 
actions.  Please think about this and change this policy.  Please get back to 
me on this.  

Individual Comment
GLSEN Los Angeles
 
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Friday, December 21, 2001 9:56 PM
torture


December  21, 2001

Dear Mr. Kenneth Zwick,

I write as a member of Amnesty International, a worldwide human rights
movement committed to ensuring respect for the basic human rights of people
without discrimination, in support of equal access to benefits under the
September 11 Victims Relief Fund for all victims, regardless of sexual
orientation or marital status. As you know, the United States has
committed to uphold international human rights standards, including the
Universal Declaration of Human Rights and the International Covenant on
Civil and Political Rights, which prohibit arbitrary discrimination.
  
As you consider rules for administering the relief fund, I ask that you
apply basic international human rights standards, and the general principle
of equality, by including among relatives eligible for compensation those
who lost their life partners, as well as de facto parents or children,
without regard to sexual orientation or marital status.  The State of New
York has already adopted such a policy, granting compensation benefits "on
a showing of mutual interdependence with the victim, in recognition that
anyone who shared with the victim living expenses, day to day activities
and the emotional bonds of family deserves help in this time of need."

Many lesbian and gay people were killed in the September 11th attacks.
Since then, lesbian and gay surviving partners of those killed have had
mixed results in obtaining equal treatment at the local level in the
distribution of relief funds by private and state agencies.  An inclusive
policy on the part of the federal government would help establish an
important principle for other such funds.  In compensating victims, real
justice will be served only when all families - and all types of families -
impacted by the human rights tragedy of September 11 are treated with
dignity and equality. 

Thank you for considering my concerns. I look forward to hearing from you
about your efforts to ensure that all surviving victims of the September 11
attacks have equal access to the relief fund.


Sincerely,

Individual Comment
Claremont, CA 
 
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Thursday, March 21, 2002 11:36 AM
Compensation for partners of gay, lesbian, transgendered victims


Dear Sirs,
I think that the partners of gay, lesbian, and transgendered citizens should 
be compensated in the same way that partners of any other citizens are 
compensated.  These partners and their lost loved ones are all Americans and 
NOT including them is equivalent to officially sanctioning bigotry and 
prejudice, something that I pray never becomes an American value.
Please do the right thing!
Individual Comment
New Orleans
 
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Friday, December 21, 2001 6:27 AM
Help all victims of terrorist attack


Dear Mr. Zwick:

The very humane Fund for relatives of victims of the September 11
terrorist attacks must include all relatives of all the victims.

This importantly should include the partners and children of same sex
unions.  They suffer just as grievously for their deceased loved ones
as do other survivors, and their need for assistance is just as great.

Please do not give in to the importuning of callous homophobic groups
and individuals who would have the Department of Justice limit
compensation to survivors of heterosexual unions.  They are interested
in a political victory, not humane assistance.

This Fund is intended for humane purposes; it is not a political
statement, Mr. Zwick.

Sincerely,

Individual Comment

 
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Monday, January 14, 2002 9:08 PM
Help same sex partners of terrorist victims


Dear Mr. Zwick:

The very humane Fund for relatives of victims of the September 11
terrorist attacks must include all relatives of all the victims.

This importantly should include the partners and children of same sex
unions.  They suffer just as grievously for their deceased loved ones
as do other survivors, and their need for assistance is just as
great.

Please do not give in to the importuning of callous homophobic groups
and individuals who would have the Department of Justice limit
compensation to survivors of heterosexual unions.  They are
interested in a political victory, not humane assistance.

This Fund is intended for humane purposes; it is not a political
statement, Mr. Zwick.

Sincerely,

Individual Comment
Decatur, GA 
 
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Wednesday, January 02, 2002 10:32 PM
comment about the unfairness of the fund

Dear Special Master:
       I think the way this fund is going to be distributed is unfair.  I 
feel that the government should let the victims know the amount of the award 
before being made to sign anything.  If a person settles out of court they 
know the amount of the settlement before they have to sign anything.
       All people who have life insurance have to pay monthly premiums as did 
my husband.  Because they were cautious about their future and paid money out 
of their own pocket, not the governments, they are being penalized.  Also 
everyone who has a job on the books has to pay social security, it is not 
just given to them, so this should not be deducted either.  If the government 
fells that accepting workers compensation is "double dipping" I do not think 
the money already received should have to be given back.
       I also strongly believe that there should no be a cutoff age for a 
child when it comes to pain and suffering.  A thirty year old living on their 
own does not have less pain than a child under the age of eighteen, if 
anything they have more pain because they got to spend more time with the 
lost one.  There should not be a clause that only a dependent has pain and 
suffering.

Sincerely,
Individual Comment
Staten Island, NY


 
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              <text>Monday, January 21, 2002 11:10 PM
September 11th Victim Compensation Fund for 2001 comment

January 21, 2002

The Honorable John Ashcroft
Attorney General
U.S. Department of Justice
10th Street and Constitution Avenue
Washington, D.C. 40530

Dear Attorney General Ashcroft:

I was in shock at the level of destruction and loss of 
life from the September 11th terrorist attacks.  My 
hearts goes out to the family and friends of the victims 
of this most despicable act.

Even though our family struggles from paycheck to 
paycheck like many Americans, we still felt that we 
needed to give assistance to the families who lost loved 
ones.  This assistance was given by making a donation to 
one of the national charities that setup a fund for 
providing such assistance.

Part of the reason for our financial struggle is we plan 
for the death of either my wife or myself.  A reasonable 
person knows or should know that death can happen at any 
time.  Thousands of people die each day in America 
unexpectedly from a multitude of causes.  All of us as 
individuals need to plan for an unexpected or expected 
death of a husband and/or wife.  My wife and I 
specifically budget for life insurance to compensate the 
survivor for loss of income.  We do not expect the 
American taxpayer, through our federal government to 
come to our rescue if either one of us dies.  Life 
insurance is affordable if you are willing to make the 
commitment.

It is our belief that minimal assistance should be 
provided by our federal government to the victim's 
families.  To provide such a huge sum of money to the 
victim?s families does a great disservice to the 
American taxpayer and families who have lost loved ones 
from an accident, crime, or other non-preventable cause.

Millions of American?s, multinational companies, and 
other people around the world have given very generously 
to relief agencies and charities that have received more 
than one billion dollars in donations.  We sincerely 
believe that these funds should be used to assist the 
victim's families to compensate for the loss income.  It 
is also our belief that the victim?s families should 
hold responsible and seek compensation from the airline 
companies whose aircraft were hijacked.

We feel the American taxpayer should not be forced to 
absorb the burden of compensating the victim?s families 
who did not pre-plan for the loss of a spouse or both 
husband and wife.

Very Sincerely,

Individual Comment
Bothell, WA 
 
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Sunday, March 17, 2002 7:06 PM
Discrimination against gay and lesbian families is unAmerican

Attachment 1:
Why is the Sept. 11 victim compensation fund not giving funds to the families and partners of gays and lesbians who were killed on Sept. 11th? This is a grave
misjustice on the governments part. Does the U.S. government believe that these victims are not truly American and so deserve to be treated as second class
citizens? I hope not. Shame on the U.S. government for not recognizing these heroes as equal to any other hero who died on Sept. 11th. Shame on the US
government for discriminating in this disgusting manner. Families are families whether they are homosexual or heterosexual. All families feel the same pain when a
family member is lost. The partners of gay victims should be compensated exactly the same as the partners of heterosexual victims. Stop the discrimination.
Please make me proud of the U. S. government again.

Individual Comment

 
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Friday, December 14, 2001 9:12 PM
Protect Traditional Marriage


Mr. Kenneth Zwick
Office of Management Programs Department of Justice
Washington. DC
Dear Mr. Zwick:

I
want to express my opposition to any effort by the federal government to provide
9-11 victim compensation funds to "domestic partners" of unmarried
survivors of the terrorist attack upon our nation.
Funds
disbursed through the September 11th Victim Compensation Fund of 2001 should
only go to the surviving family members of those who died on 9-11. Funds must go
to the widows, widowers, orphans, and other blood-related or adopted members of
the family--not to unmarried sexual partners of those who died.
To
provide funds to "domestic partners" is to undermine the traditional
definition of marriage and family to include any number of sexual liaisons
between same-sex or opposite-sex unmarried couples. Many homosexuals and
swinging heterosexuals, for example, engage in sex with multiple partners. Do we
provide funds to each of the sexual partners? Where do we draw the line on how
many "domestic partners" a person may have?Homosexual
activists are exploiting the 9-11 tragedy by asking the federal government to
redefine what constitutes a legitimate "family" under the law. In
fact, homosexual activist &amp;nbsp&amp;nbsp&amp;nbsp&amp;nbsp , writing in Out magazine
has openly called for the subversion of the concept of marriage between a man
and a woman. He has urged homosexuals to fight for the legalization of
homosexual marriages and once legalized to "redefine the institution of
marriage completely . . . . to debunk a myth and radically alter an archaic
institution. . . . The most subversive action lesbians and gays can under
take--and one that would perhaps benefit all of society--is to transform the
notion of 'family' entirely."
If
the DOJ provides funds to "domestic partners," it will be helping
&amp;nbsp&amp;nbsp&amp;nbsp&amp;nbsp accomplish his goal: That of redefining marriage and altering what he
calls an "archaic institution." 
We
also oppose September 11th Funds going to the estates of the deceased instead of
to their surviving family members. No one can know for certain where these funds
will end up if they are deposited in the estate of a person who has died. The
person may have willed his estate to a terrorist, racial hate group, or even to
an organization like the North American Man-Boy Love Association. No one will
know unless each person's will is examined by a DOJ lawyer.
The
money should go to the surviving family members of the deceased, not to the
estate or to the surviving "domestic partner." 
 
Individual Comment
McClure, PA


 
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Friday, December 21, 2001 6:48 AM
Justice help all terrorist victims


Dear Mr. Zwick:

The very humane Fund for relatives of victims of the September 11
terrorist attacks must include all relatives of all the victims.

This importantly should include the partners and children of same sex
unions.  They suffer just as grievously for their deceased loved ones
as do other survivors, and their need for assistance is just as great.

Please do not give in to the importuning of callous homophobic groups
and individuals who would have the Department of Justice limit
compensation to survivors of heterosexual unions.  They are interested
in a political victory, not humane assistance.

This Fund is intended for humane purposes; it is not a political
statement, Mr. Zwick.

Sincerely,

Individual Comment
College Station, TX  

 
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Friday, December 14, 2001 11:44 AM
Protect Traditional Marriage


Mr. Kenneth Zwick
Office of Management Programs
Department of Justice
Washington, DC
Dear Mr. Zwick:
 
I
want to express my opposition to any effort by the federal government to provide
9-11 victim compensation funds to "domestic partners" of unmarried
survivors of the terrorist attack upon our nation.
Funds
disbursed through the September 11th Victim Compensation Fund of 2001 should
only go to the surviving family members of those who died on 9-11. Funds must go
to the widows, widowers, orphans, and other blood-related or adopted members of
the family--not to unmarried sexual partners of those who died.
To
provide funds to "domestic partners" is to undermine the traditional
definition of marriage and family to include any number of sexual liaisons
between same-sex or opposite-sex unmarried couples. Many homosexuals and
swinging heterosexuals, for example, engage in sex with multiple partners. Do we
provide funds to each of the sexual partners? Where do we draw the line on how
many "domestic partners" a person may have? Homosexual
activists are exploiting the 9-11 tragedy by asking the federal government to
redefine what constitutes a legitimate "family" under the law. In
fact, homosexual activist, writing in Out magazine
has openly called for the subversion of the concept of marriage between a man
and a woman. He has urged homosexuals to fight for the legalization of
homosexual marriages and once legalized to "redefine the institution of
marriage completely . . . . to debunk a myth and radically alter an archaic
institution. . . . The most subversive action lesbians and gays can under
take--and one that would perhaps benefit all of society--is to transform the
notion of 'family' entirely."
If
the DOJ provides funds to "domestic partners," it will be helping
accomplish his goal: That of redefining marriage and altering what he
calls an "archaic institution."
We
also oppose September 11th Funds going to the estates of the deceased instead of
to their surviving family members. No one can know for certain where these funds
will end up if they are deposited in the estate of a person who has died. The
person may have willed his estate to a terrorist, racial hate group, or even to
an organization like the North American Man-Boy Love Association. No one will
know unless each person's will is examined by a DOJ lawyer.
The
money should go to the surviving family members of the deceased, not to the
estate or to the surviving "domestic partner."
 
Individual Comment
Belleville, IL

 
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Friday, November 23, 2001 9:54 AM

Distribution of funds



 To Whom It May Concern:

      a)  We believe there should be no age cap on the earnings potential of 
the victims of this terrible tragedy. Why should they have a cap of age 58 if the rest 
of us are looking at retirement now starting at age 70.

      b) There should be no deductions for any charity received by the 
victim's dependants. They are ENTITLED to their share REGARDLESS of any gifts 
they may have received.

      c) Life insurance was PAID for by the Victim and should not have any 
bearing on the amount of recovery that the family has a right to.

      d) The right to appeal should not be denied to those who are suffering 
due to the tragic losses inflicted on them by this horrific event.  

                                          

                                                            Signed, 



Individual Comment
 
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            <description>Whether the contributor holds copyright to this item.</description>
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                <text>yes</text>
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            <description>The source of this item.</description>
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            <description>The media type of this item.</description>
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              <text>
Wednesday, December 19, 2001 3:02 PM
crisis relief


December  19, 2001

Dear Mr. Kenneth Zwick,

I write as a member of Amnesty International, a worldwide human rights
movement committed to ensuring respect for the basic human rights of people
without discrimination, in support of equal access to benefits under the
September 11 Victims Relief Fund for all victims, regardless of sexual
orientation or marital status. As you know, the United States has
committed to uphold international human rights standards, including the
Universal Declaration of Human Rights and the International Covenant on
Civil and Political Rights, which prohibit arbitrary discrimination.
  
As you consider rules for administering the relief fund, I ask that you
apply basic international human rights standards, and the general principle
of equality, by including among relatives eligible for compensation those
who lost their life partners, as well as de facto parents or children,
without regard to sexual orientation or marital status.  The State of New
York has already adopted such a policy, granting compensation benefits "on
a showing of mutual interdependence with the victim, in recognition that
anyone who shared with the victim living expenses, day to day activities
and the emotional bonds of family deserves help in this time of need."

Many lesbian and gay people were killed in the September 11th attacks.
Since then, lesbian and gay surviving partners of those killed have had
mixed results in obtaining equal treatment at the local level in the
distribution of relief funds by private and state agencies.  An inclusive
policy on the part of the federal government would help establish an
important principle for other such funds.  In compensating victims, real
justice will be served only when all families - and all types of families -
impacted by the human rights tragedy of September 11 are treated with
dignity and equality. 

Thank you for considering my concerns. I look forward to hearing from you
about your efforts to ensure that all surviving victims of the September 11
attacks have equal access to the relief fund.


Sincerely,

Individual Comment 
Woodside, NY 


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Wednesday, March 13, 2002 11:00 PM
victims fund

Now that the victims of Sept 11, have all become tax free millionaires while the rest of the country is out of work and starving or the poor is losing there medicine from medicaid I hope the government is happy with making them non taxpayers.  
The rest of the country's taxes is feeding, clothing, and housing our enemies that attacked NY and Washington
I feel every man, woman and child in this country is a victim and for the victims to collect their millions the president uses social security funds and social security programs are now being cut. 
some how this just does not seem to be fair 
the victims should pay taxes instead of all the tax breaks they are receiving.  
How about giving me 5 years tax free money


Individual Comment

 
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Monday, November 26, 2001 5:37 PM
Comments on September 11th Victim Compensation Fund of 2001


In response to the Department's Notice of Inquiry and Advance Notice of
Rulemaking, please see attached comments on the September 11th Victim
Compensation Fund of 2001.


Maxcor Finanical Group Inc.
Euro Brokers Inc.
New York, NY




Attachment 1:
Via e-mail at victimcomp.comments@usdoj.gov
and facsimile at (301) 519-5956


Mr. Kenneth L. Zwick
Director
Office of Management Programs
Civil Division
U.S. Department of Justice
Main Building, Room 3140
950 Pennsylvania NW
Washington, DC 20530


 Re:  Comment Letter on September 11th Victim Compensation Fund of 2001


Dear Mr. Zwick:


This Comment Letter is respectfully submitted on behalf of Euro Brokers Inc., the inter-dealer broker subsidiary of Maxcor Financial Group Inc. (Nasdaq: MAXF). Our New York offices were located on the 84th floor of Two World Trade Center. Prior to September 11th, Euro Brokers had approximately 300 employees in New York. We lost 60 of our employees (and one staff member who was a third-party employee) as a result of the September 11, 2001 terrorist attacks on the World Trade Center, including one employee who escaped the collapsing towers but died several weeks later from his injuries.

  
Of the Euro Brokers victims, 46 were married and 41 had children. Some of the spouses of our lost employees gave birth to children after September 11th, one spouse gave birth to her first child after September 11th, and one spouse is due to give birth in the new year. A total of approximately 85 children were left behind. Some of our lost employees were engaged to be married. Some of our lost employees also provided financial support to their parents or siblings. Our lost employees ranged in age from 23 to 58. Forty-eight of them were brokers at the firm, with the balance holding a variety of positions, including senior executive, administrator, operations and back office support personnel, facility management and information technology. The victims' annual compensation ranged from the mid-five figures into low seven figures. 


We have dealt extensively with the families of our lost employees since September 11th and, through those dealings, have witnessed first hand the pain, grief, anger, frustration and confusion many of them have felt - even with our help - in trying to negotiate the various and complex legal and financial issues raised by the loss of their loved ones. Accordingly, we submit this Comment Letter from the perspective that, to avoid compounding the trauma already experienced by these families, simplifying the claims process established by the September 11th Victim Compensation Fund of 2001 (the "Fund") is an essential goal. We also believe that it will best effectuate Congressional policy objectives by encouraging the greatest number of families to elect the Fund process over private tort litigation. 


Accordingly, we strongly urge the Attorney General and the Department of Justice to consider establishing a viable and non-binding "fast track" alternative to the 120-day process set forth in the Fund statute. This alternative would be designed to enable employers of large numbers of lost employees to, in essence, initially shoulder the burden of the Fund process collectively on behalf of the families of the lost employees, and arrange for the families to receive a quick proffer from the Fund of economic and non-economic losses - based solely upon documentary submission from the employers, without a written submission by the claimant and without a hearing. The proffer would be non-binding and the families would be free to accept the proffer (less applicable collateral source compensation) and be bound to the waiver and release provisions of the Fund, or reject the proffer and go through the regular 120-day Fund process, or bypass the Fund entirely and reserve their right to bring a conventional tort action. 

In conjunction with this fast track process, we believe it is essential that the Department of Justice clearly define "collateral source" compensation, so that proffers can be evaluated meaningfully. We also urge the Department to construe as narrowly as possible the definition of collateral sources by, among other things, excluding charitable donations (including voluntary employer donations) from the definition, in order to encourage fullest possible utilization of the Fund. 




I. Fast Track Simplified Claim Process


We suggest that in its implementing regulations the Department of Justice create a simplified "fast track" claim process whereby employers of large numbers of lost employees could submit to the Special Master the names, ages and earnings information (for some minimum historical period) of each lost employee, which the Special Master could then input into a matrix, applying assumptions about life expectancy, number of productive working years in a particular industry and reasonable expectations as to compensation changes, etc., to formulate a quick proffer of economic losses. This quick proffer by the Special Master would be calculated using the employer's documentary submission, without any need for a hearing or written submission by the claimant. To make the proffer fair and meaningful, it should be based upon consistent application of the matrix assumptions and, in light of each victim's particular age, vocation and compensation level, offer a level of compensation for economic loss that will be perceived as being within the range of loss that could be expected to be awarded if the regular 120-day Fund process were utilized.


In conjunction with this fast track approach for calculating economic losses, we suggest that the Department of Justice establish a uniform minimum amount for non-economic losses for pain and suffering for every individual lost in connection with the September 11th attacks, regardless of where they were or the particular circumstances of their death, without imposing on the victims' families the need to endure a painful hearing detailing their loved ones' last moments and attempting to put a price tag on their suffering. This quick proffer of non-economic losses would also be made by the Special Master without any need for a hearing or written submission by the claimant. Again, to encourage as many claimants to utilize this fast track approach instead of proceeding with a full hearing under the Fund statute or a private tort suit, this proffer must be both fair and substantial. 


Mechanically, the Special Master could then provide the employer with the individual proffers of economic and non-economic losses for each of the employer's lost employees, which the employer would then pass on to the victims' families. As noted above, the proffers would be non-binding so that the families would be free to accept the proffer, less collateral source compensation received by the claimant, and be bound to the full waiver and release provisions of the Fund - or reject the proffer and either participate in the regular 120-day Fund process or bypass the regular Fund process and reserve their right to proceed with a private civil tort suit. Obviously, the decision whether or not to accept the proffer is one that the victims' families would have to make themselves.


Accordingly, the employer's submissions on behalf of its lost employees would not be a claim "filed" for purposes of the Fund. The actual claim filing would only occur when and if the family desired to accept the Special Master's proffer. At that time, a claim form more akin to that which will be used in the 120-day process (albeit still simplified) would be needed, both to establish the claimant's eligibility and his or her collateral source compensation, before funds could be released.


We do not believe that advance publication of matrix assumptions and uniform base non-economic loss compensation figures would be an adequate alternative to the fast track process we are proposing. We believe that claimants will want to have an individualized concrete calculation of economic and non-economic loss compensation available to them before committing to the Fund process and waiving substantive rights, and that merely publishing the assumptions without providing a specific proffer is likely to cause claimants to take a wait and see approach to see what sums are being awarded to others before deciding whether or not to proceed with the Fund.
 

Although we recognize that there may be some families that will want to litigate, either for emotional reasons or because they think it will maximize their monetary recovery, we believe that there is a much larger group that will take a quick and fair recovery if the process is fair, simple and applied even-handedly, produces substantial results, and permits them to avoid the emotional pain of participating in potentially prolonged hearings and submissions of evidence (including consulting with and retaining a panoply of experts to prove economic loss and pain and suffering of the victim). 


We believe that this fast track approach will also have ancillary benefits for the Department of Justice, in both time and resources, by likely reducing the number of cases the Special Master will have to hear, and for employers who have sustained large employee losses by avoiding their need to dedicate substantial time and resources in connection with presentation of documentary and testimonial evidence at multiple individual hearings. 




II. Collateral Source


As a further incentive to the victims' families to use the Fund process, we urge the Department of Justice to construe as narrowly as possible the term "collateral source" in calculating the amount to be reduced from compensation awards, and to specifically exclude charitable donations (including voluntarily employer donations, whether in the form of continued compensation payments or otherwise) from the definition of collateral source. 


Although we recognize the compensatory nature of the Fund, we think that the policy of Congress is best effected by fair and broad use of the Fund. In this regard, we believe that reducing Fund compensation by amounts received in charitable donations will discourage victims' families from using the Fund and encourage private tort suits because, among other reasons, collateral source compensation is not reduced from an award of punitive damages, and punitive damages are available in a private tort suit and not under the Fund. Deducting charitable donations from Fund awards will, in essence, penalize the victims' families for accepting the donations. Deducting charitable donations from Fund awards will have the further undesirable effect of deterring charitable donations. Millions were pledged in donations to reach out and help the victims' families - not to subsidize the government in awarding compensation to the victims' families. 


Charitable donations should be excluded from the definition of collateral source as a matter of statutory construction as well. While section 402(4) of the Fund statute specifies life insurance and pension benefits as collateral sources, it makes no mention of charitable donations. Moreover, section 405(b)(6) states that the Special Master shall reduce the compensation award by collateral source compensation the claimant "has received or is entitled to receive". Plainly, no one is "entitled to receive" charitable donations from organized charities, employers, friends or family. Nor does it make sense to force the victims' families to delay their receipt of charity until after they have received their Fund award to circumvent the "has received" language in the statute. 


We further suggest that the Department exclude from the definition of collateral source any vested interests in life insurance, pension funds, IRA funds, 401(k) plans and other benefit plans. First, as a matter of statutory construction, section 402 of the Fund statute defines the term "collateral source" to mean life insurance, pension funds and other payments "related to the terrorist-related aircraft crashes of September 11, 2001." Similarly, section 405(b)(6) states that the Special Master's compensation award shall be reduced by the amount of collateral source compensation the claimant has received or is entitled to receive "as a result of the terrorist-related aircraft crashes of September 11, 2001." Vested interests in life insurance (e.g., current cash value of a whole life policy, as opposed to the death benefit payable thereon), pension funds, 401(k) plans and the like are akin to regular savings accounts which generally are available to the account holder at any time and are not dependent upon or related to the September 11th terrorist attacks. Moreover, as a matter of policy, to reduce such sums from a compensation award would unfairly penalize those victims who assiduously worked to save and build their assets.  


In any event, the term collateral source needs to be defined as specifically as possible so that the victims' families know full well what amounts will be reduced from the proffer of economic and non-economic losses that we contemplate with the fast track process described herein. 


We thank you for the opportunity to provide these comments to you. We would be happy to meet again in person with officials of the Department of Justice and/or the Special Master to discuss this fast track proposal and other ways which we, as an employer of a substantial number of victims from the September 11th attacks, can help the families of the victims.


      Respectfully submitted,
     
Comment By:
Euro Brokers Inc.
Maxcor Finanical Group Inc.
New York, NY
 
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Tuesday, March 19, 2002 3:49 PM
COMMENTS

You've got to be kidding, right?  You're not actually serious?  You're discriminating against gay's in the WTC fund?  If this is true,, Not only will I ever give another penny to the great cause, but I would like the money I have contributed BACK.  What kind of country are we living in?You may send at least $300 to:

Individual Comment
Kenosha, WI




 
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Wednesday, December 05, 2001 11:10 AM
ALL 911 victims

Dear Mr. Zwick:

I am writing in response to the Department's request for public
comments regarding the forthcoming regulations for implementing
and administering the "September 11 Victim Compensation Fund."
I strongly urge the Department to draft regulations that ensure
compensation is available to all victims of the attack,
including the committed partners and the non-biological children
of gay and lesbian victims.

It is unquestionable that the devastating grief and economic
losses suffered by the families of gay and lesbian victims are
no less than that of other families.  Just as the terrorists
drew no lines in choosing their victims, our country must draw
no lines in compensating those who suffered the most personal of
losses from these horrific attacks.

Many Americans lost their lives on September 11, each of whom
left behind loved ones.  I urge the Department to honor these
bonds by treating the families of gay and lesbian victims as you
would any other.

Sincerely,
Individual Comment
Richmond, VA
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Saturday, March 16, 2002 2:26 PM
Your stance on Gays is an Outrage!

There were known gay heroes of the September 11 attacks.

You are choosing to treat illegal aliens and fetus with more respect.

This is an outrage!

But then we know John Ashcroft and the Bush administration are more about religious agenda than justice, dont we?

Individual Comment
Portland, Oregon
 
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Thursday, November 29, 2001 11:15 AM
Attn: Kenneth L. Zwick


Kenneth L. Zwick, Director
Office of Management Programs, Civil Division
U.S. Department of Justice

This e-mail is to urge the Department of Justice to include among relatives 
eligible for compensation those who lost their life partners or de facto 
parents or children, regardless of sexual orientation or marital status. 
Please remember these very important words:  "with liberty and justice for 
all".  'All' means 'ALL', not an exclusive few.  We are all Americans and 
all our hearts were broken Sept. 11th.  Please don't break them again.

Individual Comment
Houston, TX


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