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Thursday, December 13, 2001 2:55 PM

Special Master Kenneth R. Feinberg
September 11th Victim Compensation Fund
U.S. Department of Justice
950 Pennsylvania Avenue NW
Washington, DC 20530

To Mr. Feinberg:

I am writing to urge you to ensure fair treatment for all surviving families of
the tragedy on September 11th, including the children and families of low-wage
workers and gay and lesbian families.

Under traditional rules based on lost wages, the survivors of a bond trader
earning millions of dollars per year might receive thousands of times as much
compensation as the survivors of a dishwasher in one of the restaurants
destroyed.  Justice requires looking far beyond the last paycheck to the
inherent worth of all those killed, so that a high minimum compensation level is
set to lessen the disparities. It would be a double blow to the survivors to
first lose their loved one and then watch as most of the taxpayer money went to
those who were already well off in the first place.

The second major issue has to do with recognizing the legitimacy of gay and
lesbian relationships and families. Gay and lesbian families are especially
vulnerable when one partner is killed. Because the option of marriage is
unavailable, these families may find themselves in the traumatic predicament of
having to prove that their union is legitimate. Fortunately, both the Red Cross
and the State of New York have already announced that they will not discriminate
against gay and lesbian families. The Department of Justice should do the same.

Thank you for considering my comments. I look forward to hearing how you will
act on these very important issues.

Sincerely,
Individual Comment
Bronx, NY

 
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              <text>Saturday, January 19, 2002 5:29 PM
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

 
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              <text>
Monday, December 24, 2001 9:03 PM
Support Equal Access to Crisis Relief Benefits for Surviving
Gay and Lesbian Partners


December  24, 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
Madison Heights, MI
 
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December 17, 2001


Special Master Kenneth R. Feinberg
September 11th Victim Compensation Fund
U.S. Department of Justice
950 Pennsylvania Avenue NW
Washington, DC 20530

To Mr. Feinberg:

I am writing to urge you to ensure fair treatment for all surviving families of the tragedy on September
11th, including the children and families of low-wage workers and gay and lesbian families. Under
traditional rules based on lost wages, the survivors of a bond trader earning millions of dollars per
year might receive thousands of times as much compensation as the survivors of a dishwasher in one of
the restaurants destroyed. Justice requires looking far beyond the last paycheck to the inherent worth of
all those killed, so that a high minimum compensation level is set to lessen the disparities. It would be a
double blow to the survivors to first lose their loved one and then watch as most of the taxpayer money
went to those who were already well off in the first place.

The second major issue has to do with recognizing the legitimacy of gay and lesbian relationships and 
families. Gay and lesbian families are especially vulnerable when one partner is killed. Because the
option of marriage is unavailable, these families may find themselves in the traumatic predicament of
having to prove that their union is legitimate. Fortunately, both the Red Cross and the State of New
York have already announced that they will not discriminate against gay and lesbian families. The
Department of Justice should do the same.

Thank you for considering my comments. I look forward to hearing how you will act on these very
important issues.

Sincerely,
Individual Comment     
El Cerrito, CA 

 
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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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Monday, November 26, 2001 4:04 PM
Public Comments of Cantor Fitzgerald L.P.

Per my discussion with                , enclosed are the public comments of Cantor Fitzgerald L.P. in both WordPerfect and PDF formats.  Please confirm receipt of same.

Thank you for your assistance.

------------------------------

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

Re: Notice of Inquiry and Advance Notice of Rulemaking, September 11th Victim Compensa-
 tion Fund of 2001, 28 CFR Part 104, CIV 104P, AG Order No. RIN: 1105-AA79               

 PUBLIC COMMENT OF CANTOR FITZGERALD L.P. ON THE
 U.S. DEPARTMENT OF JUSTICE'S NOTICE OF INQUIRY
 AND ADVANCE NOTICE OF RULEMAKING REGARDING
 THE SEPTEMBER 11TH VICTIM COMPENSATION FUND OF 2001

 Cantor Fitzgerald L.P., together with its affiliates, eSpeed, Inc. and TradeSpark L.P. (herein collectively referred to as "Cantor Fitzgerald") submit these comments in response to the Department's Notice of Inquiry.  Cantor Fitzgerald is a financial services firm whose operating units are involved in a variety of market-based and software business initiatives.  Cantor Fitzgerald is eager to be involved in assisting the Department in whatever way it can, and it appreciates the Department's prior efforts to let Cantor Fitzgerald participate in the process.


I. CANTOR FITZGERALD'S INTEREST IN COMMENTING

 Cantor Fitzgerald occupied four floors at the top of One World Trade Center and, among the high-floor firms, was one of the trade center's oldest tenants.  Not a single person who was in Cantor Fitzgerald's offices at the time of the attack survived.  Several others who were not in the firm's offices, but were in the World Trade Center at the time of the attack, survived and have suffered debilitating physical injuries, including severe burns.  

 Out of the roughly 1,000 Cantor Fitzgerald employees who worked in One World Trade Center, 657 perished in the tragedy.  Over a third of them had dependent children, most of whom are younger than 12 years of age.  Over 40 Cantor Fitzgerald widows were expecting children at the time of the attack.  In all, approximately 1,500 Cantor Fitzgerald children lost at least one parent.  

 For those of us at Cantor Fitzgerald who remain, the loss of so many friends and colleagues has been devastating.  And there is no way that the families of those who were lost can ever be made truly whole.  For them, each "big day"  each life event  will be a reminder of all that they have lost which can never be recaptured.  We at Cantor Fitzgerald, however, have committed ourselves and our company to ensuring that the families our lost colleagues left behind  whose grief we share and who are members of our extended family  will have fewer worries, and more opportunities for happiness in the future.  With this goal foremost in our minds, we are committed to rebuilding Cantor Fitzgerald and its affiliates. 

 To achieve this end, Cantor Fitzgerald has voluntarily developed and is implementing the following plan, which it had no legal obligation to create:

 Discretionary Bonus Payments and Distributions -  On October 22, Cantor Fitzgerald began distributing more than $45 million in bonus payments and distributions to the estates of those lost on September 11.  These payments were entirely discretionary and were voluntarily made by the firm in the absence of any legal obligation.  The minimum payment will be $5,000, and even the estates of employees who started with the firm as recently as September 10 will receive a payment.

 Voluntary Support - Cantor Fitzgerald L.P. is undertaking to distribute for the benefit of the affected families an amount equal to 25% of the partnership's profits that otherwise would have been distributed to the remaining partners for the next 5 years.  These funds will be used to pay for 10 years of healthcare benefits to the families of our lost colleagues, which will cost an estimated $70 million.  The remainder of the funds will be distributed for the benefit of the families of the lost employees, and Cantor Fitzgerald will continue such distributions beyond 5 years, if necessary, until each family has received at least $100,000 in cash.

 The Cantor Fitzgerald Relief Fund - Cantor Fitzgerald has established a separate charitable relief fund to which others may donate.  The Relief Fund already has distributed approximately $8 million, including at least $5,000 to each Cantor family.  The fund is a Delaware corporation and has been recognized exempt by the IRS.  100% of the money donated to the fund will go to charitable disbursements; Cantor Fitzgerald will bear the operating costs.

 Registry - Cantor Fitzgerald has established a registry for affected families to receive non-monetary gifts and services from people and companies who have contacted the company seeking to help affected families.  This registry is administered by the staff of the Cantor Fitzgerald Relief Fund.

 Employee Assistance Program -  Cantor Fitzgerald extended its Employee Assistance Program, which provides short-term counseling, to the families and friends of those lost on September 11.

 Other Voluntary Assistance -  Cantor Fitzgerald will extend the period during which all outstanding eSpeed stock options held by affected employees may be exercised to up until the fifth anniversary of the date they were granted.  The firm also will fully vest and deliver all shares of eSpeed restricted stock, subject to applicable withholding taxes.  In addition, Cantor Fitzgerald has fully vested the matching employer contributions under the 401(k) account balances of all affected employees as of September 15, 2001.

 This plan represents a substantial sacrifice for Cantor Fitzgerald at a time of economic hardship.  Nevertheless, it would be a serious mistake to view the amounts Cantor Fitzgerald has committed to its families as compensation for their losses or as having a significant impact on their continuing financial hardships.  Indeed, for Cantor Fitzgerald to give its families even $100,000 each would cost over $65 million, and that would not even begin to provide for these families' needs. 
     
 In issuing its Notice of Inquiry, the Department of Justice has asked numerous questions, including whether voluntary payments, such as those outlined above, are "collateral sources" that should reduce the amount that victims' families may recover from the September 11th Victims' Compensation Fund of 2001.1  Cantor Fitzgerald plainly has a tremendous interest in not having its families penalized for voluntary payments that the company has made to them even though such payments were not required by law or contract.  It also has a strong interest in ensuring that the regulations ultimately promulgated by the Department fully achieve Congress's purpose of providing those families the option of full and fast compensation for the losses they have suffered.

II. THE DEPARTMENT SHOULD ISSUE RULES DECLARING
 THAT VOLUNTARY PAYMENTS, SUCH AS THOSE MADE BY
 CANTOR FITZGERALD, ARE NOT "COLLATERAL SOURCE
 PAYMENTS" THAT MAY BE DEDUCTED FROM FUND AWARDS
   
 Cantor Fitzgerald believes that the Department can  and must  promulgate regulations to clarify that private voluntary payments to victims  whether made by employers, individuals or charitable entities  are not "collateral source payments" within the meaning of the statute and should not be deducted from the amount of compensation the Special Master determines a claimant is entitled to receive.  Such regulations would be in keeping with both the letter and spirit of the Fund, as well as the firmly established public policy of encouraging victim assistance and private charitable gifts and trusts.

 In analyzing this issue, one must first recognize that the basic common law rule has long been that evidence demonstrating a plaintiff received money from collateral sources (such as insurance) could not be introduced by a defendant at trial.2  One of the principal reasons for this rule was that society's interests were furthered by adopting a rule that encouraged individuals to plan for calamities and to assist victims.3  

 The "collateral source rule" has been limited by statute in many states, including New York,4 so that defendants can offset their liability with certain kinds of payments the plaintiff has received.  However, consistent with basic rules of statutory construction, those statutes generally have been narrowly construed, and their interpretation has been informed by the policies underlying the common law collateral source rule.5  

 A. Private Voluntary Assistance Is Not a "Collateral 

  Source Payment" under the Language of the Statute


Under the statute, the Special Master must reduce the amount of a claimant's compensation "by the amount of collateral source compensation the claimant has received or is entitled to receive as a result of the terrorist-related crashes of September 11, 2001."6   In defining the term "collateral source," Congress gave examples that plainly evince its intent to encompass entitlements or obligations of a governmental or a contractual nature, such as "life insurance, pension funds, death benefits programs, and payments by Federal, State, or local governments."7  Each of these examples implicates a legal obligation  either as a result of a private contract or a governmental entitlement  for an entity to pay the claimant a specific and ascertainable monetary benefit.  This is consistent with the approach of other rules and statutes that modify the common law collateral source rule.  For example, under New York's rule, payment cannot be set off against a plaintiff's damages unless the court finds that "the plaintiff is legally entitled to the continued receipt of such collateral source [payment], pursuant to contract or otherwise enforceable agreement, subject only to the continued payment of a premium and such other financial obligations as may be required by such agreement."  (NY CPLR § 4545(c).)  A voluntary payment, of course, is no such entitlement or obligation, regardless of whether it is made before or after a claimant files a claim.8

Moreover, both of these statutory sections require a specific nexus between the entitlement (or obligation) and the terrorist attack.  (See Section 405(b)(6) (the payment or entitlement must be "as a result of the terrorist-related crashes"); Section 402(4) (citing as examples entitlements "related to the terrorist-related aircraft crashes of September 11, 2001").)  Put differently, to be a "collateral source payment" under the statute, the obligation  whether statutory or contractual  must directly arise from the terrorist attack.  Gratuitous payments to the families of September 11th victims have their genesis not in terrorist activity or even the fact of death, but rather arise from the familial, civic, religious, or humanitarian concerns of individuals and entities seeking to advance their own goals and objectives.

Courts that have addressed similar statutory schemes consistently have held that private voluntary contributions are not collateral source payments for the purpose of reducing a claimant's damage award.  See, e.g., Dewitz v. Nuestel, 508 N.W.2d 334, 340-41 (N.D. 1993) (cash gift from church group to accident victim was not subject to statute requiring reduction for payments from "collateral sources"); Longman v. Jasiek, 414 N.E.2d 520, 524-25 (Ill. App. 1980) (payments to cover medical expenses were not subject to statute requiring reduction for collateral source payments). 
 
In Longman, for example, the court addressed the propriety of offsetting a personal injury award by the amount of cash payments given to the plaintiff.  The Illinois statute under review broadly defined collateral source payments to include all injury-related expenses "'which have been paid, or which have become payable to the injured person by any other person, corporation, insurance company, or fund in relation to a particular injury.'"  Id. (quoting Ill. Rev. Stat. 1979, ch. 110, ¶ 68.4).  In holding that the cash assistance was not a collateral source payment under the statute, the court explained that the "by reason of" requirement implied a legal obligation that sprang from the specific injury:

It is clear from the statute's language that the legislative intent was to reduce judgments only as a result of moneys "paid" or "payable" by reason of a legal obligation "in relation to a particular injury."   

Longman, 414 N.E.2d at 525 (emphasis added).  The Longman court concluded that because there is no legal obligation to render voluntary cash assistance, such payments are not "collateral sources" under the statute and should not be deducted from the damage award.  Id.

 Similarly, in Dewitz, the North Dakota Supreme Court was called upon to determine whether a statute mandating the reduction of economic damage awards by all collateral source payments applied to voluntary contributions received by the victim.  Dewitz, 508 N.W.2d at 340.  There, the statute expansively defined the term "collateral source" to include "'any sum from any other source paid or to be paid to cover an economic loss which need not be repaid by the party recovering economic damages.'"  Id. (quoting N.D. Cent. Code § 32-03.2-06) (emphasis added).  Notwithstanding the term's broad statutory definition, the Dewitz court concluded that voluntary financial assistance is not a "collateral source" payment because it is not paid on account of a legal obligation triggered by the injury, but rather out of "a sense of community."  Id.  

 With respect to the Fund, the language employed by Congress regarding collateral source payments is the functional equivalent of the statutory language at issue in Longman and Dewitz.  The plain language of the statute and traditional principles of statutory construction compel the conclusion that an employer's voluntary payments to victims' families are not "collateral source payments" under the statute as Congress wrote it.  The Department's rules implementing the Fund should make this fact explicit.

 Any other approach would mire the Special Master in determining what payments claimants had received and whether they were "collateral source payments."  This would be an absurd and fruitless inquiry.  For example, is an emergency loan from a family member a "collateral source payment"?  How about a "gift" of the same amount?  And what if it comes from a private charity or an employer?  Are toys, meals or other non-monetary gifts from concerned individuals "collateral source payments"?  Pro bono assistance from various professionals?  And are we really going to impose on claimants an obligation to keep track of such things?  

 As Congress wrote it, the statute gives the Department the only workable, bright line rule:  a collateral source payment includes only payments to a claimant who had a legal entitlement to the payment by reason of a preexisting legal obligation that was triggered as a direct result of the terrorist attack of September 11th. 

 B. The Statute's Structure Reinforces the Conclusion that
  Congress Did Not Intend to Have the Special Master
  Deduct Voluntary Payments from the Amount of  
  Compensation He or She Awards Victims        
               
 Congress included the Fund as part of a larger statutory scheme to aid the nation's airlines.  As part of the overall statutory scheme, the airlines' liability is capped, claimants are precluded from suing the airlines, and the government agrees to pay (through the Fund) for the damages suffered by those who were personally injured in the September 11th tragedy without any determination of liability.

 If the Department were to issue a regulation requiring claimants' recoveries to be reduced by the amount of all voluntary assistance they received, the net effect would be to have civic-, humanitarian-, and charitably-minded citizens and entities  rather than the government  funding the bailout of the nations' airlines.  Cantor Fitzgerald's decision to distribute 25% of the profits that would have been distributed to its partners over the next five years for the benefit of the families of its deceased employees would, in effect, be converted into a commitment to give one-fourth of those profits to the airlines, flowing through the government.  That cannot have been the intention of Congress.

 Indeed, this conclusion is bolstered by the fact that the only mention of private voluntary assistance in the statute is Section 406(c), which creates a mechanism whereby individuals, businesses and other entities may contribute money directly to the Fund.  If the Department were to require the Special Master to reduce a claimant's compensation award by deducting  private contributions the claimant received, it would render all private contributions to claimants de facto payments into the Fund.  If, in writing the definition of "collateral source payments," Congress had intended to appropriate all private assistance into the government's treasury, then it would have been wholly unnecessary to create a means for civic-, humanitarian-, and charitably-minded citizens and entities to give money to the Fund at all.  

 One of the most basic principles of statutory construction is that statutes should be read so that "no word, clause, sentence, or phrase is rendered surplusage, superfluous, meaningless, or nugatory."  2A Norman J. Singer, Statutes and Statutory Construction § 46:03 (6th ed. 2000).  If the Department were to issue regulations allowing or requiring the Special Master to offset a claimant's compensation award by the amount of private voluntary payments the claimant has received, it would be violating this basic rule.

 C. The Legislative History Makes Clear that
  Congress Had No Intention of Depriving
  Claimants of the Comfort of Private Assistance     
 
 The legislative history behind the Fund's creation further makes clear that Congress never intended to include private voluntary contributions within the definition of collateral sources.  Specifically, in explaining how the Special Master would fix compensation under the statute, Senator Leahy made no mention of deducting private contributions from a victim's compensation.  Rather, he explained:  "When making a determination, the Special Master will take into account any life insurance, death benefits, or other government payment received by the victims and their families."9  Senator Leahy's omission of private voluntary assistance from his explanation of the Fund's offset provision is particularly telling in light of the fact that the Senate had just addressed the importance of private contributions in the wake of the September 11th tragedies.10

  As the Department recognized in its Notice of Inquiry, there are "strong policy reasons for excluding charitable contributions from the definition of 'collateral sources.'"11  Indeed, it is the fixed policy of the law to encourage such charitable gifts, trusts and other voluntary assistance whenever possible.12   Thus, between the two possible outcomes, the one that encourages such voluntary payments should be adopted.13 

 Congress expressly recognized the vital  and independent  role that private contributions have played in the aftermath of the September 11th tragedies.  As Senator Hatch explained at the Senate hearings addressing the Fund:  
Unfortunately, the Government cannot do everything.  What pleases me most in the aftermath of this tragedy is the extent to which the communities across the country have reached out to help their neighbors .  There are many wonderful charitable organizations such as the Red Cross and the Salvation Army who responded immediately to assist victims of the terrorist attack.  Donations have been pouring in from across the country to assist the victims.  It warms my heart and reminds me of the Thousand Points of Light that President Bush's father often referenced regarding the generous nature of our communities.  Because of all this, I am confident our country will come out of this tragedy stronger.
147 Cong. Rec. S9589, 9595 (daily ed. Sept. 21, 2001) (statement of Sen. Hatch). 


 Senator Hatch's comments highlight the important fact that the September 11th relief efforts require the continuing support of private individuals, employers, and charitable organizations.  Unfortunately, any regulatory scheme that requires (or allows) the Special Master to deduct private voluntary contributions from a claimant's recovery would create numerous powerful disincentives for employers and charitably-minded people and entities to continue contributing to aid victims of the September 11th tragedies.  Most importantly, all who made such contributions would effectively be giving their money to the federal government.  Private charities, such as The Cantor Fitzgerald Relief Fund, would be severely hampered in their efforts to raise additional funds for the victims because would-be donors would no longer see their individual contributions as necessary and could not target their donations to address specific needs, such as college tuition.  See Arambula, 72 Cal.App.4th at 588 (recognizing that "[c]haritable contributions are primarily motivated by the intended use to which donations are put").  And if regulations required claimants' awards to be reduced by the charitable assistance they had received up to the date they filed their claim, private charities and donors would have the incentive to delay distribution of their contributions until after the claimants had been paid by the Fund.  Similarly, some employers would find it difficult to justify continued voluntary payments when the only effect on the employees' families would be a reduction in the amount of compensation they would receive from the Fund.  That is not what Congress intended in creating the Fund. 

 Even after creating the Fund, Congress has continued to stress the importance of private assistance to the victims of September 11th, at the same time emphasizing the necessity of honoring the intent of the donors.  During the recent controversy surrounding the Red Cross Liberty Disaster Fund, members of Congress sharply criticized a decision  later reversed  to reserve part of that fund to aid victims of future terrorist incidents.  The Subcommittee members repeatedly stated their concern that this would frustrate the intent of those who made the voluntary payments.  See Charitable Contributions for September 11:  Protecting Against Fraud, Waste, and Abuse:  Hearing Before the Subcommittee on Oversight and Investigation of the House Committee on Energy and Commerce, 107th Cong. (Nov. 6, 2001).  In light of Congress's continuing concern about the availability of private assistance and the intentions of the donors, it would be ironic, to say the least, if the Department issued rules that thwarted donor intent by effectively rerouting all private contributions into the federal government's treasury.

 In sum, Congress recognized the importance of continued private financial assistance to the victims of the September 11th attacks.  In setting up the Fund, it even created a way in which individuals could give directly to the Fund.  Nowhere did Congress indicate  either in the statute or the legislative history  that it intended to nationalize all private voluntary payments made to the victims by reducing the amount of compensation victims could receive from the Fund.  The plain language of the statute, legislative history, fundamental principles of statutory construction, case law interpreting similar statutes, and basic public policy all compel the conclusion that the Department should not issue regulations allowing or requiring the Special Master to reduce a claimant's compensation by the amount of any private voluntary payments he or she has received.  Instead, the Department's regulations must make clear that such payments, especially those made by employers, must not be deducted from amounts victims may receive from the Fund.


III. THE RULES MUST ADVANCE THE STATUTE'S PRIMARY
 GOALS OF PROVIDING FULL COMPENSATION TO ALL 
 CLAIMANTS QUICKLY AND GIVING VICTIMS ADEQUATE
 INFORMATION TO DECIDE WHETHER TO FILE A CLAIM  

 The Department has asked for guidance as to how the claim process may be implemented.  Plainly, there are lessons to be learned from the experience gained from claims programs in mass tort settlements.  There are, however, important differences between the Fund and the typical mass tort settlement, and these differences counsel for some restraint in importing the procedures of mass tort settlements into the regulations implementing the Fund.  For example, in most mass tort settlements, the amount of money to be distributed among the claimants is limited.  The limited nature of the settlement fund often has certain practical and structural effects on the claim process.  For instance, matrices are sometimes created that cap an individual claimant's recovery based on certain qualifying characteristics.  Also, evidentiary submissions in settlements may be challenged in procedures more reminiscent of an adversarial process.

 The Fund created by Congress has no such artificial limitation on amount.  Rather, it is designed to fully and quickly compensate claimants for each of the elements of damages that they otherwise would be able to claim in a court of law, with the exception of punitive damages.  Indeed, the whole purpose of the Fund is to persuade victims of the September 11th tragedy to choose to be compensated by the Fund's expedited process rather than in interminable lawsuits against the airlines and others.  Of course, if those who have suffered large financial losses cannot recoup them from the Fund because their recovery is capped, they will be more likely to pursue litigation.

 Certain maxims follow naturally from the Fund's purpose of providing full compensation to victims quickly, and thereby persuading them to forego lawsuits:

 If victims are to be persuaded to file claims with the Fund rather than bring lawsuits, they must be assured that the amount they will receive will approximate the amount of damages they would be entitled to under the law at a jury trial.


 Because they give up the right to sue the moment they file a claim, victims will not be able to decide whether to file claims under the statute until the rules are really final and there is some tangible demonstration that claimants actually will receive full compensation from the Special Master.


 Because the overarching purpose of the statute is compensation, the rules should not be drafted in a way that persons who are not awarded compensation from the Fund should be deemed to be "claimants" who have waived their right to sue.

 A. Certainty  and Thus Quick Issuance of Truly Final Rules  
  Is Key To Successfully Implementing Congress's Intent        

 For victims of the September 11th tragedy, the clock is ticking, and has been for some time.  The families have bills that must be paid and lives that have been put on hold in the uncertainty that has followed September 11th.  Moreover, the statute of limitations on the filing of wrongful death and survival actions  which in New York is two years14  continues to run.  Congress understood these tremendous pressures when it gave the Department the task of having the Fund's claims process up and running by December 21.

 The Notice of Inquiry states that the Department is considering issuing on December 21 "interim final" rules that would be subject to another round of review and comment.  (Notice of Inquiry at 5.)  The Department also seeks comment on whether "good cause" exists to waive the typical 30-day period between the promulgation of rules and their effective date.  (Id. at 7.)

 Cantor Fitzgerald respectfully submits that such "good cause" is evidenced by the fact that Congress, in requiring the Attorney General to promulgate regulations to implement the Fund's claims process "[n]ot later than 90 days after the date of enactment of this Act," clearly understood that time is of the essence in getting the claims process up and running.  Another round of public comment after publishing "interim final rules" on December 21 would only further delay the date when families could have full information in order to decide whether to file a claim against the Fund. 

 Assuming that (i) the Department issues "interim rules" that are amended, subject to public comments, and become final sometime in late January, (ii) some families file claims immediately thereafter, and (iii) the Special Master takes the 120 days he or she is allowed by statute to carefully evaluate and determine the claims, it would be sometime in June before victims' families would begin to learn the kind of information that many will want to know before deciding whether to file a claim (e.g., exactly how the process will work and how much families will actually be paid).  As the Department has explicitly recognized, without certainty as to how the compensation program will work, "some claimants may be reluctant to commit themselves to the Fund as an alternative to tort awards."  (Notice of Inquiry at 9.)  Moreover, the media have noted that many lawyers who are advising families will want to see the range of awards the Special Master actually makes before counseling their clients whether to submit a claim or file a lawsuit.15   

 Cantor Fitzgerald recognizes the difficulty of fashioning a final claims process out of whole cloth in the time called for by Congress.  We have received numerous inquiries from families regarding how the Fund's claim process will proceed and how quickly they could receive money from the Fund.  If the purposes of the statute are to be served, the Department must do everything within its power to create certainty with respect to the claim process as soon as possible.  Any delay in the issuance of truly final regulations delays the claim process for everyone and shortens the amount of time that families have to deliberate about whether to submit a claim or file a lawsuit.

 Congress intended families to have two years in which to decide whether to file a claim against the Fund.  Section 405(a)(3).  However, the two year statute of limitations on filing a lawsuit began running on September 11th.  Thus, victims' families must decide whether to file a lawsuit by September 2003.  The longer families are deprived of information about how the Fund actually will make awards and the adequacy of those awards, the shorter the time period in which they can make a reasoned decision whether to participate in the Fund or file a lawsuit.   

 B. All Claimants Must Be Fully Compensated for Damages
  Allowed By Law, Just as They Would Be at a Trial  
       
 The Department has asked whether the Special Master should use "schedules" to enable him or her to award compensation within 120 days of a claim being filed, as Congress required in the statute.  (Notice of Inquiry at 15.)  Cantor Fitzgerald's suggestions about how schedules may be used beneficially are detailed in subsection C below.  In this subsection, however, we address the suggestion made by some that such "schedules" should be used as a mechanism to artificially limit the size of damage awards or in some way cap recovery for some categories of September 11th victims.  Such suggestions are contrary to the Fund's very purpose.  The Fund was not created to measure the value of the victims' lives.  Indeed, no one person's life has any more inherent value than another person's.

 Rather, the Fund was established to fully compensate decedents' survivors for the elements of damages they could claim in wrongful death and survival actions under state law.16  State tort law has long held that those damages, both economic and noneconomic, are based on the individual circumstances of the decedent and the survivors.  The decedents each earned different incomes and funded different activities for their families.  State wrongful death and survival statutes reflect those differences, and under those statutes, the survivors' economic losses are determined, in part, by measuring the lost financial support the decedent would have provided the survivors based, inter alia, on his or her projected income.  The Fund, in adopting these basic definitions of economic and noneconomic losses that reflect well-settled tort law, ensures that the victims of the September 11th tragedy are treated no differently than other tort victims.  

 For most of the Cantor Fitzgerald families, the deceased was the primary source of the family's income.  These families made financial, life and social commitments based on the assumption that the deceased would continue to contribute to the family's income.  They purchased homes, automobiles, and other things that now  without that source of income  they are in danger of losing.  Many of the families have children who will hope to attend college someday, and undergraduate degrees alone may cost much more than $100,000 per student.  Moreover, many of those who died were supporting not only their immediate family, but parents as well.    

 Mandatory schedules are not the only mechanism that some have suggested to artificially limit the recovery of September 11th victims.  Some have suggested that a decedent's presumed work life should be reduced where the decedent was involved in certain financial professions.  Any presumption that people who worked at Cantor Fitzgerald would have retired before the standard retirement age would not only be arbitrary, it would be without factual support in many, if not most, cases.  Moreover, many of the markets in which the firm's employees worked were simply too new to make any reasoned assumptions about retirement age in those businesses.  The statute, in requiring the Special Master to look at claimants' individual circumstances, preserves each claimant's right to present evidence about the decedent's actual intentions regarding retirement.  Employing any mechanism to artificially limit the amount any victim of the September 11th tragedy may recover from the Fund  including schedules and special presumptions about retirement age  is antithetical to both the purpose and the language of the statute.  

 Congress included the Fund and the cap on airline liability in the "Air Transportation Safety and Stabilization Act" to provide an alternative to litigation against the airlines that was designed to avert the possible bankrupting of airlines by litigation and the subsequent need for a government bailout.  The goal was to encourage victims to obtain their compensation from the Fund, rather than filing lawsuits.  That goal would be thwarted by any regulation that artificially limited the amount claimants could recover from the Fund or undercompensated them for their damages.  Indeed, such a regulation undoubtedly would encourage those with the largest economic losses to file suit.

 The language of the statute reflects Congress's intention.  The statute expressly states that the Fund's purpose is victim compensation.17  Nowhere does it mention  or in any way authorize  payment of anything less than a claimant's full damages.  Rather, under the statute, compensation broadly includes "any possible economic and noneconomic losses that the claimant suffered as a result of [the terrorist attacks]."18  The statute's definition of "economic loss" leaves no doubt that the fund is designed to fully and completely compensate a claimant for at least the same pecuniary losses that he or she could recover under state law.  (See Section 402 (5) (economic loss is "any pecuniary loss . . . to the extent recovery for such loss is allowed under applicable State law").)19  

 State law provides three primary types of pecuniary damages in a wrongful death action:  lost "support" or earnings, lost services, and lost inheritance.  See, e.g., EPTL § 5-4.3.20  Many courts, in calculating lost support under the wrongful death statute, look to, inter alia, the decedent's gross income at the time of death, including yearly bonuses and profit sharing plans.21  In calculating the decedent's gross income, therefore, the Special Master must not artificially constrain that figure to just "salary," but must take into account the value of the stock options, participation in partnership investment, and deferred compensation awards the decedent earned.  Although stock options are not taxable income when received, they clearly have a value.  The Special Master could use recognized formulae, such as a Black-Scholes analysis, to value such options at the time they were granted.  Similarly, Cantor Fitzgerald awarded certain individuals the opportunity to participate in partnership investments  including providing them loan guarantees  which also were awarded as a result of the decedents' work for the company.  The value of these opportunities also plainly comprise lost income for purposes of measuring lost support.  Moreover, Cantor Fitzgerald granted certain individuals other partnership interests that should be factored into the lost support calculation.

 Congress, in mandating that claimants could recover the economic damages that are allowed under state law, did not authorize the Special Master to discriminate against groups of victims by issuing awards for less than their actual damages.  Rather, it bound the Special Master to take into account, inter alia, the economic damages the claimant is entitled to under state law when determining the amount of compensation from the Fund.  The Department should adopt no rule or schedule that would impede the Special Master from awarding full damages to any victim of the September 11th tragedy. 

 C. Schedules or Matrices May Be Useful in Establishing
  Minimum Compensation Amounts and Giving Victims
  Information to Determine Whether to Make a Claim   
  
 The Department has requested comment on whether the publication of schedules would assist victims in determining whether to file a claim.  (Notice of Inquiry at 15.)  Matrices or grids are often used in mass tort settlements, and certainly the publication of such tools would assist victims in evaluating whether to file a claim.  Such matrices use certain characteristics of the victim (e.g., age, medical condition) to establish individual recoveries.  It is important to reiterate, however, that although matrices in mass tort cases sometimes are used to fix the outer limits of a range of recovery  because of the overall limitations on the settlement fund  no schedule published by the Department should fix a "cap" on the amount a claimant may recover. 

 That is not to say that a schedule would be of no use.  Indeed, Cantor Fitzgerald is aware of many families who likely would find it extremely burdensome and emotionally exhausting to undertake the effort to marshal extensive proof regarding each of the elements of their damages.  Particularly where the decedent's income was not highly variable and he or she was fully established in a profession, it may be possible to develop a formula that would reasonably approximate the claimant's pecuniary damages without the need for extensive evidentiary proofs.  If the Department were to develop such a formula or matrix that a claimant could elect to recover under using minimal evidentiary proof  without compromising the right of other claimants to elect a more fulsome evidentiary proceeding where they could submit more extensive proof of their pecuniary damages  the Department could achieve many of the benefits Congress had in mind when it created the Fund.  The key to the utility of any such matrix is that its use is not mandatory and does not forcibly cap a claimant's recovery.

 To the extent the Department is considering developing a schedule for elements of claimants' and decedents' noneconomic losses, such as pain and suffering, that schedule also should be an elective schedule, not a mandatory one.  The statute clearly preserves the right of claimants to ask the Special Master to look at their individual circumstances in determining their losses, both economic and noneconomic.  Furthermore, if the Department uses matrices or schedules as an option that claimants can elect, they should use separate forms for economic loss and noneconomic loss.  It is clearly conceivable that a claimant might want to elect a simplified process for compensation of one form of damages while preserving his or her right to pursue a full hearing on the other form of damages. 

 Indeed, if the Department developed an elective formula or schedule, the Department should consider paying claimants who elect such a process on an accelerated basis.  If the process required the claimant who elected to be compensated from the schedule to submit a simplified "EZ" form including certain basic details about the survivors along with certain readily-available proofs of the decedent's death and full gross income (possibly through tax records or employment records), there would be no need for the Department to take 120 days to decide the claim, nor 20 days to pay the award listed in the matrix or schedule.  An added benefit of this approach would be that claimants would not be required to use an economist to prove pecuniary damages.

 Elective schedules and accelerated compensation processes may also be used for those who survived the September 11th tragedy, but suffered physical injuries.  Numerous resource materials exist to determine average compensation for various physical injuries, such as severe burns, that could be used to create a minimum compensable amount for physical injuries.  As mentioned above, however, such schedules must not be used to artificially limit a claimant from recovering his or her actual damages or deprive him or her of a more comprehensive evidentiary hearing.   

 D. The Regulations Can Make It Easier For Claimants
  To Prove Their Claims and Receive Information  
    
 Numerous mass tort settlements have employed procedures designed to make it easier for claimants to file claims without the necessity of consulting a lawyer.  For example, in the Dalkon Shield Claimants Trust, the Trust created user-friendly claim forms that were tested on unrepresented claimants from a variety of socioeconomic levels before they were finalized.22  Additionally, the Trust had reviewers who would assist claimants in ensuring that their forms were complete and in obtaining medical records.23  Similarly, in the diet drug settlement, claimants could present their records directly or authorize settlement administrators to obtain them.24  

 The Department has asked whether there are actions that could be taken before a claim is deemed complete or filed.  (Notice of Inquiry at 10.)  Cantor Fitzgerald respectfully suggests that the Department should consider employing "reviewers" or "administrators" who would be empowered to review a claim and obtain basic evidence on behalf of the claimant.  In making a claim against the Fund, the claimant could sign an authorization that the "reviewer" or "administrator" could use to gather necessary records.  For example, a "reviewer" who had a signed authorization could direct employers to forward directly to the Department basic employment records, which would go a long way in helping to establish lost earnings.

 Certain mass tort settlements also employed communications strategies that the Department may wish to consider.  In the Diet Drug litigation, class members received a "plain English" brochure describing the claim process, a more formal "official notice" with rules governing the process, and various color-coded forms, including a form for an accelerated payment option.25  Moreover, the Dalkon Shield Claimants Trust  which had a goal of allowing claimants to participate in the claim process without the necessity of hiring a lawyer  conducted informational meetings for unrepresented claimants in seven cities.26  

 Once the claim process has begun and the Special Master begins to make awards, it is important for potential claimants to receive periodic information about the amount of the awards and the progress of the claim process, particularly where  as here  the act of filing a claim precludes the victim from filing a lawsuit.   During the conduct of the claim process, the Dalkon Shield Claimants Trust published a "plain English" newsletter for claimants, as well as a newsletter for lawyers entitled "Attorney Update."27  The Department should consider issuing similar periodic updates for victims and attorneys. 

 Employers are also an important resource for all communications with potential claimants.  Many have established communications networks for use by the families of their employees, which also could be used to disseminate details about the Fund's claim process and progress.  For example, Cantor Fitzgerald has an official website for its family at http://www.cantorusa.com, and it periodically conducts meetings with the families.

 CONCLUSION

 Cantor Fitzgerald appreciates the opportunity to provide comment to the Department on the various questions presented in the Notice of Inquiry, and it comprehends the difficulty the Department faces in promulgating rules and implementing the claim process by the deadline imposed by Congress.  Cantor Fitzgerald stands ready to assist the Department in ensuring that the families of its lost employees, as well as its injured surviving employees, are able to look to the Fund for full and fast compensation for the economic and noneconomic damages they have suffered as a result of the September 11th terrorist attacks.

      Respectfully submitted,
      
Comment By:
      CANTOR FITZGERALD L.P.
     
New York, NY





1. The Fund was established by Congress in the Air Transportation Safety &amp; System Stabilization Act, PL 107-42 § 403 (to be codified at 49 U.S.C. § 40101 et seq. (2001)).  This statute is referred to herein as "the Statute" or "the Act."

2. See, e.g., Oden v. Chemung Co. Indus. Dev. Agency, 87 N.Y.2d 81, 85 (1995).

3. See, e.g., Arambula v. Wells, 72 Cal. App. 4th 1006, 1012 (1999). 

4. See NY CPLR § 4545.

5. See, e.g., Oden, 87 N.Y.2d at 86 ("We note . . . that CPLR 4545(c) is a statute enacted in derogation of the common law and, as such, is to be strictly construed. . . .  Further, it is to be construed in the narrowest sense that its words and underlying purposes permit, since the 'rules of the common law must be held no further abrogated than the clear import of the language used in the statute absolutely requires.'").

6.  Section 405(b)(6) (emphasis added).

7. Section 402(4).

8. The requirement that a "collateral source payment" be a payment that the claimant is entitled to receive as a result of the payor's legal obligation is further supported by the statute's neutrality as to when collateral source payments are received.  By requiring a reduction for such payments that claimants are "entitled to receive" in the future, Congress highlighted the fact that collateral source payments necessarily arise out of preexisting entitlements.  It would make no sense to interpret the statute so that all monies received by a claimant in the past were deductible (even if they were gifts), but the only future payments deductible would be those to which the claimant had an entitlement.  The statute's definition demonstrates that the very nature of what makes a payment a "collateral source payment" is the fact that it results from a legal entitlement.  This is true for past payments, as well as future ones.  Thus, even if a claimant already has received a gift or other voluntary payment by the time he or she files a claim, those funds are not "collateral source payments" that have been "received" under the plain meaning of the statute.  

9. 147 Cong. Rec. S9589, 9599 (daily ed. Sept. 21, 2001) (statement of Sen. Patrick Leahy).

10. Id. at 9595 (statement of Sen. Orrin Hatch) ("[Charitable] donations have been pouring in from across the country to assist the victims.").

11. Notice of Inquiry at 16.

12. See Arambula v. Wells, 72 Cal. App. 4th 1006, 1012-13 (Cal. Ct. App. 1999) ("When called upon to construe private humanitarianism, 'courts do not now adopt an antagonistic spirit toward [a donor's] charitable intent  .'"); In re Price's Will, 264 A.D. 29, 32 (N.Y. App. Div.), aff'd, 46 N.E. 354 (N.Y. 1942) ("Charitable gifts and trusts are of ancient origin [and] are favorites of courts of equity  .").

13. Id.

14.  EPTL 5-4.1.

15. See, e.g., Bob Van Voris, Details of Federal Airline Bailout Package Still Uncertain, N.Y.L.J. at 5 (Oct. 4, 2001) ("Once a claimant chooses either to file an administrative claim or sue in court, there is no turning back. . . .  As a result, many lawyers plan to wait and see how the process works and learn whether the special master is generous or stingy with the government's money before making the call.").

16. State wrongful death and survival statutes share the same purpose of compensating for damages:  

Clearly, New York's wrongful death statute was not intended to compensate distributees for the value of the decedent's life.  Instead, the statute authorizes an award of "fair and just compensation" to the decedent's beneficiaries for their own pecuniary injuries, their personal loss of support or voluntary assistance, probable inheritance, services and the parental guidance that the decedent otherwise would have provided.

Lee S. Kreindler, et al., New York Law of Torts § 15.19 at 364 (West 1997).

17. Section 403.

18. Section 405(a)(2)(B)(ii).

19. Moreover, the statute defines "noneconomic losses" broadly and does not limit them to those recoverable under state law.  (See Section 402 (7) (defining the term to mean "losses for physical and emotional pain, suffering, inconvenience . . . loss of society and companionship, loss of consortium . . . and all other nonpecuniary losses of any kind or nature").  This represents a Congressional determination that even where a particular state's law would not allow for recovery of a particular element of nonpecuniary damage, such as loss of consortium, the victims of the September 11th tragedy will be compensated for such loss.

20. See also Lee S. Kreindler, et al., New York Law of Torts § 15.13 at 352 (West 1997) ("The pecuniary injuries suffered are personal to the statutory distributees and limited to the loss of future voluntary assistance, possible inheritance, loss of services and, if applicable, parental guidance.").

21. See, e.g., Johnson v. Manhattan &amp; Bronx Surface Transit Operating Auth., 71 N.Y.2d 198, 203-04 (1988).

22. See Georgene M. Vairo, The Dalkon Shield Claimants Trust:  Paradigm Lost (or Found)?, 61 Ford. l. Rev. 617, 639 (1992).

23. Id.  See also Georgene M. Vairo, Georgine, the Dalkon Shield Claimants Trust, and the Rhetoric of Mass Tort Claims Resolution, 31 Loy. L.A. L. Rev.79, 131-32 (1997).

24. See In re Diet Drugs (Phentermine, Fenfluramine, Dexfenfluramine) Products Liability Litigation, 2000 WL 1222042 at *24 (Aug. 28, 2000).

25. Id. at *37.

26. See Vairo, Paradigm Lost (or Found)?, 61 Ford. L. Rev. at 640.

27. Id.




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              <text>December 14, 2001


Special Master Kenneth R. Feinberg
September 11th Victim Compensation Fund
U.S. Department of Justice
950 Pennsylvania Avenue NW
Washington, DC 20530


To Mr. Feinberg:


I am writing to urge you to ensure fair treatment for all surviving families of the tragedy on September
11th, including the children and families of low-wage workers and gay and lesbian families. 
 Under
traditional rules based on lost wages, the survivors of a bond trader earning millions of dollars per
year might receive thousands of times as much compensation as the survivors of a dishwasher in one of
the restaurants destroyed. Justice requires looking far beyond the last paycheck to the inherent worth of
all those killed, so that a high minimum compensation level is set to lessen the disparities. It would be a
double blow to the survivors to first lose their loved one and then watch as most of the taxpayer money
went to those who were already well off in the first place.


The second major issue has to do with recognizing the legitimacy of gay and lesbian relationships and 
families. Gay and lesbian families are especially vulnerable when one partner is killed. Because the
option of marriage is unavailable, these families may find themselves in the traumatic predicament of
having to prove that their union is legitimate. Fortunately, both the Red Cross and the State of New
York have already announced that they will not discriminate against gay and lesbian families. The
Department of Justice should do the same.


Thank you for considering my comments. I look forward to hearing how you will act on these very
important issues.

Sincerely,

Individual Comment
Bellingham, WA 

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Thursday, March 14, 2002 4:49 PM
9/11 fund treatment of gays


Mr. Kenneth Feinberg,

I am a straight, white, anglo-saxon, protestant, republican who grew up in
midland, texas, the hometown my president, george w bush.  I am appalled at
your decision to exclude gays from your monetary relief. It demonstrates to
me what an evil "greed" can be.  Shouldn't Gay-Americans be compensated
equally or even better than Hetero-Illegal Aliens?  Afterall, they were born
here and their loved ones have been paying taxes to our beloved "beast" of a
governmment for years, enabling the continuation of the bureaucracies which
sign your paycheck.  Weren't the culprits of 9/11 Hetero-Illegal Aliens in
the first place?  If you are going to create a "fund" it should include all
involved or nobody at all.  I suggest you re-think your strategy.

I have only two questions for you.

Did the 9/11 fund, read "our government", ask you your sexual preference
before hiring you or did they do so only according to your competency...or
lack thereof?  I would assume it is don't ask, don't tell.

How does it feel to take so much money from a national tragedy? I would
assume it is somewhat like a &amp;nbsp&amp;nbsp&amp;nbsp&amp;nbsp .

respectfully,


Individual Comment
hoLLywood, ca
 
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Wednesday, March 13, 2002 7:54 PM
9/11 funds for all.


Is it true that once again our government is discriminating against citizens
because of their sexual preferences? If this is true, I want to register a
formal complaint. I am outraged that we as a country have let this go on and
on and on for so long. What are we thinking? Where does it say that sexual
preference makes for lesser citizens. What is wrong with the decision
makers? A CITIZEN IS A CITIZEN IS A CITIZEN. 

Individual Comment
Oakland, CA
 
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              <text>Monday, January 14, 2002 8:33 PM
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
Calgary, Alberta, CANADA
 
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              <text>
Thursday, January 10, 2002 10:13 PM
Equal for All??

Dear Sirs,

Utilizing your "Presumed Loss Calculation Tables" and applying it to the recent military airplane crash in Pakistan:

If applying your age/wage compensation charts to the death of the 25-year old female Marine Sergeant on board that airplane, would I be about correct in assuming that her family members/survivors should be entitled to roughly $1,754,577???

Or, would I be closer to correct if I assumed her family members/survivors will only receive the current standard payout for a government insurance policy -- the maximum benefit of which is $250,000 for an active duty military member???.

Am I also closer to correct in assuming that her family members/survivors will only receive a total burial benefit from Social Security, in the amount of $250.00 (that's two hundred and fifty dollars!)???

My heartfelt sympathy goes to the 9/11/01 victims and their families.  Yet it is also my heartfelt opinion that our American government is setting a faulty precedence by establishing a value for the lives lost on 9/11/01 and ignoring all others, including our active duty military.   As a taxpayer, I am strongly opposed.

Sincerely,

Individual Comment
 
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                <text>dojN001510.xml</text>
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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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              <text>

December 30, 2001

Special Master Kenneth R. Feinberg
September 11th Victim Compensation Fund
U.S. Department of Justice 
950 Pennsylvania Avenue NW
Washington, DC 20530
December 30, 2001

Dear Mr. Feinberg:

I am writing to urge you to ensure fair treatment for all surviving families of the 
September 11th tragedy, including the children and families of gay and lesbian Americans
who perished.

That you recognize the sanctity and legitimacy of gay and lesbian relationships and
families as you make these crucial decisions is imperative.  Gay and lesbian families are
especially vulnerable when one partner is killed.  Because the option of marriage is
largely unavailable, these families often find themselves in the traumatic predicament of
having to prove the legitimacy of their union.  Both the Red Cross and the States of New
York have already announced that they will not discriminate against gay and lesbian
families.  Our United States Department of Justice must follow suit.

As an American, I ask you to keep in mind the gay and lesbian citizens who serve
heroically as police, firefighters, soldiers, medical personnel and in other critical
occupations.  We also must keep in mind the gay and lesbian Americans who donated to 
the compensation fund trusting that their gift would be distributed without prejudice.  It
would be unconscionable to dispense their monies while denying the legitimacy, worth 
and humanity of other gay and lesbian Americans.

Thank you for considering my comments.  I look forward to hearing how you will act on 
these very important issues.

Sincerely,

Individual Comment
Mbo Ma 

 
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Thursday, February 07, 2002 12:24 PM
Subject: The September 11th Victim Compensation Fund of 2001 -
Do the Right Thing
 

The Victims of Sept 11, 2001 need to get fair compensation for their loss.  The government has restricted their rights to compensation from the airlines and accepted that liability of loss in order to avoid inevitable lawsuits to the airlines that could cripple the industry.  The September 11th Victim Compensation Fund of 2001 was established by Congress to provide fair compensation and replace the loss of their legal rights.  However, the current settlement proposed by the Department of Justice (DOJ) in the interim final rule is deceivingly unfair.  Mr. Feinberg, the Special Fund Master, has placed a value of $250,000 on the noneconomic pain and suffering of a deceased loved one.  His number devalues life and is a serious step in the wrong direction.  Now is the time to fix the problems in the DOJ proposed interim final rule and provide a fair compensation settlement to the victims.  Please take an active role to fix the The September 11th Victim Compensation Fund of 2001.  

Thanks


Individual Comment

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January, 2002

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


Re:       "September 11th Victims Compensation Fund of 2001"     P.L. 107-42

Dear Mr. Zwick,

Please, allow me to introduce my daughter.         , 34 years old in July and
married 2 days short of 6 months, was a          at Windows on the World, 
located in Tower 1 on the          and          floors of the World Trade Center. She had worked 
many hard hours over many years to climb to the "peak" of her industry. She believed she 
was at the "top of the world", in the "greatest city" in the "greatest county" in the world. She
was the ultimate New Yorker and the most loyal and proudest of Americans.

Early in the aftermath of the heinous September 11th attacks upon the United State of 
America, Congress enacted the above referenced legislation to compensation the relatives of 
the victims of those brutal attacks. We firmly believe the interim rules issued on December
20th by the Special Master satisfy neither the letter nor the spirit of the enacted legislation.
This legislation authorized payment for economic and non-economic loss. Economic loss was 
defined as "any pecuniary loss... including the loss of earnings.. to the extent recovery for
such loss is allowed under applicable State law." (Sec. 401(5)). Non-economic loss was 
defined to include among other things "physical and emotional pain, suffering ... mental
anguish...and loss of consortium." (Sec. 402(5)).

The sole offsets to the payment for economic and non-economic loss were the "collateral
sources" as specified in Sec 402(4). These offsets included "life insurance, pension funds...
and payments by Federal State or local governments related to the attacks of September
11th. "These were clearly intended to be the only offsets.

In his proposed rules, however, the Special Master has imposed outrageous offsets which 
are in no way authorized by the statute. Specifically, he imposes arbitrary income limits and
restricts pain and suffering awards to $250,000 - no matter what the extent of the pain and 
suffering may have been. To this I take particular offense. How dare he, or any living soul
trivialize the pain, the suffering and the anguish these murder victims, must have 

experienced. It is a matter of record that there were many in both towers fighting for their
lives for over an hour even while realizing that they had no means of escape and no hope of
rescue. Indeed, a very, very long hour for them and for us as we watched and waited. I 
watched from my office window knowing that         --my daughter, my best friend--was 
trapped. Times $250,00 over and over again and it will not do them justice.

The practical effect of these caps is to drastically reduce the award from what the statute
intended. Relatives of the victims who were in the financial services sector or in the public 
service sector--police officers and firefighters-will suffer a particularly adverse effect. This is
not only contrary to the legislation but also entirely unfair. By what right does the Special
Master penalize those victims for their ability and foresight to provide for their families after they
were gone?  For the virtue of working long and hard to care for their families and insure
their families future, they are being denied a fair share of compensation.

             and all the other victims were killed precisely because of who they were, where they were and what they represented. All the victims of this terror personified American business and commerce. They wanted the best, they were willing to work for it and that is why they worked in the World Trade Center. They exemplified America's best. and that is why they were targets that day. Our enemies would settle for nothing less than America's best. Police and firefighters died during the most successful rescue operation in the history of the United States. They too were victims of a demon called bin Laden Do not dishonor our loved ones by allowing their families to fall victim to bureaucracy. Mayor Giuliani in his farewell address stated that the nation has an obligation to those people who died. The families need to be  protected and provided for as if they still lived on. We need to be able to hold our heads high as a tribute to their sacrifices and as proud Americans. No compromised should be broached on their behalf.

The Victims Compensation Fund was created as a part of a comprehensive legislative
package with the saving of the airline industry in mind. It imposed restrictions on the rights of 
the victims' relatives to recover form the airlines in court. However, the Fund was established
to protect the rights of the victims' relatives. The Special Master cannot and must not take it upon
himself to restrict those rights.

Additionally, at the time the legislation was enacted, the number of fatalities was thought to 
be between 6,000 and 10,000. Gratefully, the final number is showing to be less than 3,000.
This will result in a significant reduction in the expected expenditures and makes the Special
Master's false economies even less defensible. While the lowering of this tragic statistic is 
gratifying, it does not after the fact that our daughters, sons, sisters, brothers, mothers or 
fathers are forever lost to us.          WILL NEVER COME HOME. Do not make light of her 
memory and the memories of her fellow victims.

We, the family of         , hereby request that the interim rules be amended
and redefined to the extent that income caps be removed when computing economic loss
and that each victim's case be addressed separately when computing the non-economic loss 
attributable to pain and suffering. Justice demands no less. 3,000 victims of American's
bleakest hour demand no less.

Individual Comment
Brooklyn, NY

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December 19, 2001

Kenneth L. Zwick, Director
Oficer of Management Programs
Civil Division
U.S. Department of Justice
Washington, D.C. 20530

Dear Mr. Zwick:

 I am writing in response to the Department' request for public
comments regarding the forthcoming regulations for implementing and
administering the "September 11 Victim Compensation Fund."

 I 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.

 I am not a homosexual. I am a physician, and acknowledge that those
who are of different sexual orientation than I are fellow humans and should
be treated as such. Their grief and economic loss is no less than that of any
others. I write because I know some prejudice exists in high places and gays
and lesbians may be considered deviant and therefore excluded.

Sincerely,
Individual Comment
Kodiak AK   

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Wednesday, December 19, 2001 1:45 AM
September 11 Victims Relief Fund


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
San Antonio, TX 
 
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              <text>
Monday, March 11, 2002 10:03 AM
unbelievable



Unbelievable:

On this six-month anniversary of the attacks on the World 
Trade Center and the Pentagon, Kenneth Feinberg and the 
September 11th Fund are telling the American people that 
regardless of whether a gay man was one of the four heroes on 
United Flight 93 who saved the US Congress and the White 
House from utter annihilation, the 911 Fund plans to 
discriminate against an American hero because most of the 
country sanctioned such discrimination prior to September 11.

In an appearance on the Sunday, March 10 broadcast of NBC's 
"Meet the Press," Kenneth Feinberg, the head of the September 
11th Victim Compensation Fund (a fund created by Congress and 
run by the Department of Justice), said that gay partners of 
the heroes of September 11th will not necessarily be eligible 
for the same compensation as heterosexual family members who 
lost their loved ones.

"[Gays and lesbians are] left out of my program to the extent 
that their own state doesn't include them. I cannot get into 
a position in this program, which has a one-and-a-half or 
two-year life start second-guessing what the state of New 
York or the Commonwealth of Massachusetts or the state of 
Virginia or New Jersey, how they treat same-sex partners, 
domestic live-ins, etc. I simply say this: What does your 
state law say about who is eligible? If your state law makes 
you eligible, I will honor state law. If it doesn't, I go 
with the state. Otherwise, Tim, I would find myself getting 
sued in every state by people claiming that I'm not following 
how the state distributes money. I can't get into that local 
battle. I've got to rely on state law." - Kenneth Feinberg on 
NBC's "Meet the Press," March 10, 2002.

That's a long-winded way of saying that if state law 
discriminates against gay people, then so will Feinberg and 
the 911 Fund.  The problem for gay Americans who lost loved 
ones on September 11 is that most states do not legally 
recognize gay relationships, and the very few that do tend to 
do so only for state employees, not for citizens at large.  
And while a handful of cities do in fact recognize such 
relationships, under Feinberg's formula, it's the state's law 
that counts, not the city's.



---------------------------------
Individual Comment

 
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Wednesday, March 20, 2002 1:25 PM
Those Left Out
 
To Whom It May Concern:
 
I have just read that gays and lesbians have been left out of 9/11 compensation funds.  Is this true?  If so, it is appalling and
just plain wrong.  This country stands for non-discrimination, in my view.  That is how I read our country's most important
documents.  It is also how I interpret the word DECENCY.

Individual Comment
Cupertino, CA
 
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December 15, 2001


Special Master Kenneth R. Feinberg
September 11th Victim Compensation Fund
U.S. Department of Justice
950 Pennsylvania Avenue NW
Washington, DC 20530

To Mr. Feinberg:

I am writing to urge you to ensure fair treatment for all surviving families of the tragedy on September
11th, including the children and families of low-wage workers and gay and lesbian families.  Under
traditional rules based on lost wages, the survivors of a bond trader earning millions of dollars per
year might receive thousands of times as much compensation as the survivors of a dishwasher in one of
the restaurants destroyed. Justice requires looking far beyond the last paycheck to the inherent worth of
all those killed, so that a high minimum compensation level is set to lessen the disparities. It would be a
double blow to the survivors to first lose their loved one and then watch as most of the taxpayer money
went to those who were already well off in the first place.

The second major issue has to do with recognizing the legitimacy of gay and lesbian relationships and 
families. Gay and lesbian families are especially vulnerable when one partner is killed. Because the
option of marriage is unavailable, these families may find themselves in the traumatic predicament of
having to prove that their union is legitimate. Fortunately, both the Red Cross and the State of New
York have already announced that they will not discriminate against gay and lesbian families. The
Department of Justice should do the same.

Thank you for considering my comments. I look forward to hearing how you will act on these very
important issues.

Sincerely,

Individual Comment
Spring Valley, NY
 
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Monday, January 28, 2002 5:45 PM
Victim Greed

My response to the comment of &amp;nbsp&amp;nbsp&amp;nbsp&amp;nbsp , as reported in the Washington Post january 28,2002, that "what this is turning into is really ugly, and it's really shameful":  the "really shameful" part of this debate is the victims' aggressive and arrogant insistence that U.S. taxpayers owe them huge amounts of money to compensate for their losses.  I do not want my taxes used to pay any one of them anything.   Every person who loses a loved one, whether by accident or disease, suffers emotionally, physically, and yes, often even financially, from the death.  Victims of drunk drivers, victims of violent crime, victims of natural disasters, victims of domestic abuse, victims of train and plane accidents -- all suffer equally, yet they do not shrilly demand government support.    
The "families of September 11" have made victimhood a full-time occupation.  They have even incorporated themselves to further play the sympathy card in an almost professional fund-raising effort to get public money over and above the extensive amounts raised through private donations.  Their misplaced sense of entitlement is what is "really shameful".    


Individual Comment

 
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              <text>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 impossible for me to believe my government could leave a group of fellow citizens unable to
collect benefits from the Sept. 11 attack.

Thank You
Individual Comment
San Luis Obispo, California


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