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Wednesday, December 05, 2001 7:26 PM
Victim Compensation Fund

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


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              <text>Tuesday, March 12, 2002 4:53 PM
please treat gay and lesbians equally


Your comments on meet the press were horrendous.  Federal agencies such as
yours should honor the lives of people like           and
          .  Their parners, their families should be treated equally.
Under your administration, it appears that some heroes are less equal than
others, because of discrimination under state law.

Individual Comment

 
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Friday, December 21, 2001 6:35 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
New York, NY 

 
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December 13, 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
Ventura, CA
 
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Tuesday, December 04, 2001 11:08 PM

Attachment 1:

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
San Diego, CA

 
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Friday, November 23, 2001 2:08 PM

Fwd: Comments on Rulemaking






Attachment 1:




Comments on Rulemaking



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



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



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



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



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



Sincerely yours,



Individual Comment
 
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Friday, January 18, 2002 8:33 PM
compensation

The airline bailout act gave the airlines $15 billion
in cash and loan guarantees and capped the airlines'
liability for the September 11 crashes at the limits
of their insurance coverage. Because of this cap, the
damage caused by the crashes greatly exceeds the
private fund available to compensate victims and their
families. Thus for the vast majority of victims and
families, the cap has the effect of eliminating the
right that they would otherwise have to sue
the airlines. 

Congress set up the fund to ensure that the airline
bailout would not come at the expense of the victims'
families. The act mandates full and fair compensation
to victims and their families for their actual
economic and non-economic damages. DOJ has ignored
this mandate and instead has written arbitrary
regulations that will result in compensation levels
far below the losses actual suffered by the victims
and their families. In fact, many families' total
compensation from the fund and all collateral sources
combined will not even fully replace lost income. In
effect, these families will not receive any of the
non-economic compensation required by the statute.
After collateral sources are deducted, as required by
the statute, some families would receive nothing from
the fund under the interim final regulations. 

DOJ's formula allows for non-economic awards at only
one-tenth the level paid incomparable cases, even
though Congress explicitly enumerated a broader range
of non-economic damages than could be recovered in any
single jurisdiction. DOJ's formula for non-economic
damages is $250,000 for the person killed and $50,000
for the spouse and each dependent. In a wide variety
of air crash and terrorism cases, however, judges,
juries, and mediators commonly have provided
non-economic damage awards well into the seven-figure
range. 

Independent economists have found serious flaws in
DOJ's method of calculating economic damages,
including use of outdated and inapplicable work life
and life-cycle earnings data. DOJ greatly
underestimates promotions and other increases in
earnings for victims. It relies on civil service and
military retirement system actuarial data that track
federal worker incomes and pension requirements, not
the higher-paying private sector career paths followed
by the vast majority of the victims. The interim final
regulations also arbitrarily cap a victim's
income at $231,000 a year. Combined with the faulty
methodology described above, the income cap would
result in some families receiving compensation for
less than 25% of their actual economic losses. Under
DOJ's rules, a family's award may be increased above
the "presumptive" award only by a showing of
"extraordinary
circumstances" -- beyond those suffered by other
victims or victims' families. This high burden of
proof makes a charade of the right to a hearing
provided by the statute. DOJ should fulfill the act's
intent by revising the rules to compensate victims and
their families for the types of damages specified by
Congress, at levels comparable to those provided in
the tort system the fund was designed to replace. 

While DOJ has shown flexibility on some aspects of the
rules, it is resisting the victims' and families'
requests for significant changes. If the proposed
regulations are not changed significantly, victims'
widows will have to sell their homes, deplete their
children's college funds, and give up their plans of
being full-time parents while their children are
young. Many families, anticipating little relief from
the fund, will decide to sue the airlines and others,
despite the handicap of the liability limits. We do
not believe these are the outcomes Congress intended. 
Thank you for giving this matter your immediate
attention.   


Individual Comment
NY NY 
 
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Saturday, December 29, 2001 1:54 AM
Equal Relief for Gay and Lesbian Partners!


December  29, 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
Isla Vista, CA
 
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Thursday, March 21, 2002 4:31 PM
Financial benefits of partners of 9/11 victims

Dear Friend,

I received this information in my e-mail, sent by a friend who has a gay 
daughter, and who is very upset. If it is true, I question the humanity of 
the following statement:

In recent interviews, the head of the September 11
Victim Compensation Fund (a fund created by Congress
to help the families of those who died on September
11) has made clear that the partners of gay and
lesbian heroes of September 11 will not necessarily
receive the same benefits as the spouses of
heterosexual victims of the horrible terror attacks.

          *                             *                          *

I do not see how the sexual orientation of a hero should enter into the 
picture when it comes to financial benefits going to the partner of that 
hero. The tragedy of 9/11 was of such a magnitude that special dispensation 
should be given, and any law that bars rightful recipients of financial 
benefits is shameful and will arouse a great many people to take legal 
action. Of course, this may be merely a horrible rumor, but if it is not, you 
can expect a huge backlash if all the heroes families and partners are not 
treated equally. It will become a national shame and scandal, and rightfully 
so.

Sincerely,
Individual Comment

 
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Monday, November 26, 2001 6:01 PM
Comment on September 11th Victim Compensation Fund

Dear Attorney General Ashcroft,

The deaths on September 11th were the result of an attack on America and all
Americans. Please do not discriminate against the unmarried partners of
September 11th victims. All unmarried partners, gay or straight, young and
old alike and their dependents, should be eligible for compensation. America
mourns for all its citizens. Thank you for your time.

Individual Comment



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Wednesday, March 13, 2002 10:02 AM
Compensation of Gay Survivors of 9-11


Your proposed rules for the compensation of gay survivors of 9-11 are an 
absolute DISGRACE!  Gay people are as patriotic as anyone else and do not 
deserve the abuse heaped upon them year after year.  It is a disgrace that 
bigots such as you are in a position to heap more abuse upon on us.
Sincerely,
Individual Comment
 
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Tuesday, November 27, 2001 3:30 PM
Victim Compensation

Dear Attorney General Ashcroft; 

The deaths on September 11th were the result of an attack on America. 
Please do not discriminate against the unmarried partners of September 11th victims.  All unmarried partners, gay or straight, young and old and their 
dependents should be eligible for compensation. This is America ... not Afhganistan, we don't discriminate here. 

Individual Comment
Los Angeles, CA



 
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Thursday, March 14, 2002 1:19 AM
9/11 compensation

Dear fellow Americans,
     I grow so tired hearing America talk about freedom, justice and courage 
when there seems so very little of it. Gay and lesbian partners need to be 
compensated for their horrible life loss too. You can make it happen if you 
have the courage and a true sense of justice. Please don't hide behind the 
excuse of state laws. Don't be hippocrates about all the American sentiments 
for the past 6 months. I leave you with this copy of the letter I sent to the 
president. I hope you have the courage to do what is right and stop the hate 
and fear within this country. I know you can.

Individual Comment

 
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                <text>2002-03-14</text>
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Wednesday, December 19, 2001 10:35 AM
Basic equal rights


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
GRANTS PASS, OR 

 
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Thursday, February 14, 2002 1:10 PM
New Vote.com votes as of 01:09 PM EST on February 14th, 2002


Dear September 11th Victim Compensation Fund,

Vote.com is the Internet's most popular voting site.  Millions of people regularly express their opinions and - in just one click - automatically send their views to important decision makers like you.

Here are the latest votes on the question, SHOULD FAMILIES OF ILLEGAL IMMIGRANTS WHO DIED ON 9-11 GET MONEY FROM THE FEDERAL VICTIMS' FUND?:

YES: 1 votes 
NO: 36 votes 

Group Comment
 
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            <description>Whether the contributor holds copyright to this item.</description>
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                <text>yes</text>
              </elementText>
            </elementTextContainer>
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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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              </elementText>
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                                             9 January 2002

To our Elected Officials:

     In the immediate aftermath of the tragic attack of September 11th upon our nation,
Congress enacted the Victims' Compensation Fund of 2001 P.L. 107-42, to compensate
the relatives of the victims of that brutal attack. As you know, this Fund was enacted as 
part of a comprehensive package which bailed out the airlines industry and imposed
restrictions on the rights of the victims' relatives to sue the airlines in court. We implore 
upon you, as our elected officials, to demand changes to the interim rules issued by
Kenneth Feinberg, the Special Master. As it stands, Mr. Feinberg's self-imposed rules
fail to satisfy the letter or the spirit of the legislation which was enacted.

          Specifically, we request that you act on our behalf and demand the following 
changes to the interim rules:
     1. The arbitrary income limits imposed by the Special Master are not only unfair
     but also inconsistent with the letter and the spirit of the law. Those victims from
     the financial industry are specifically harmed by this limit. They were targeted and 
     murdered precisely because of the jobs they held, and where they worked-the World
     Trade Center, the Financial Capital of the world, the embodiment of financial success.
     Those who achieved such success should see that reflected in their awards. They
     personified American Business and commerce, democracy and freedom. We ask that
     you demand that Mr. Feinberg lift the arbitrary income limits so that each family can 
     be treated fairly, commensurate with the support they provided their families before
     their death.
     2. Mr. Feinberg has arbitrarily restricted the non-economic awards for pain and
     suffering, no matter what the extent of the pain and suffering. This is unacceptable.
     In the words of Rep. Peter King, "...every death is tragic, A murder is particularly
     tragic. But to have your loved one murdered in a burning building in full view of the 
     world - in a scene which will be repeated in the media for decades to come-is a 
     horror these families will never escape form... The Special Master cannot take it
     upon himself to restrict the rights of the families." Therefore, we request that the 
     interim rules be amended to more appropriately compensate the victims' families for
     the immeasurable pain and suffering endured by our loved ones.
              As Mayor Giuliani stated in his farewell address: "we have an obligation to the 
     people who did die... Their families need to be protected just as if they had been alive,
     financially and every other way that we can help and assist their families...There should
     be no compromise account that ever..."We request that the interim rules be amended and 
     redefined to the extent that income caps be removed when computing economic loss and 
     that compensation for pain and suffering more accurately reflect that horror which was 
     suffered. Justice demands no less.
   

                                             Sincerely,

Individual Comment
Bronx, N.Y.
 
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Friday, January 18, 2002 11:57 AM
InterimFinalComments.doc

Keefe, Bruyette &amp; Woods, Inc.
757 Seventh Avenue
New York, New York
January 18, 2002
 
 
 
            
Kenneth L. Zwick
Director
Office of Management Programs
Civil Division
U.S. Department of Justice
950 Pennsylvania Avenue
Washington, D.C. 20530
 
Via e-mail
 
Dear Mr. Zwick:
 
I am the General Counsel of Keefe, Bruyette &amp; Woods, Inc., also known as
KBW.  Our main offices were located on the 88th and 89th floors of Two World
Trade Center in New York.  KBW lost 67 employees in the terrorist attack.  I
am providing these comments on the Interim Final Regulations adopted to
implement the September 11 Victims Compensation Fund.  
 
On January 15, 2002, I met with Special Master Kenneth Feinberg and many
representatives of families of KBW employees who were lost in the attack.
It was clear that Mr. Feinberg has heard and understands many of the
concerns that families have in response to the Interim Final Regulations.
While his statements gave us some comfort, families are currently left with
regulations and comments in the adopting release which cause great concern.
If Mr. Feinberg is to get the trust from victims and families that he seemed
to feel was justified, the regulations will need several material changes to
encourage such trust.  As currently drafted, the regulations have created
great anguish and spurred a divisive debate in the country by misdirecting
attention from the true purpose of the statute-to provide a no-fault
alternative for fair compensation for economic and non-economic losses in
conformity with state law.
 
Although there are numerous portions of the Interim Final Regulations that
could be the subject of comment, I would like to confine our comments to
three very critical areas:  the inherent limitations and caps on awards
built into the regulations; the negative impact of an expansive reach in
determining collateral source reductions; and the use of artificially low
guidelines for the determination of pain and suffering.
 

Unfair Imposition of Caps and Limitations

 
            Within days after the September 11, 2001 attacks on the World
Trade Center and Pentagon and the related crash in Shanksville,
Pennsylvania, Congress passed, and the President signed into law, the Air
Transportation Safety and System Stabilization Act. As this name suggests, a
key purpose of this legislation was to provide the United States airline
industry financial grants and guaranteed loans, as financial protection
against the negative impact of the hijackings and terrorist attacks.  The
legislation was heavily supported through aggressive lobbying efforts on
behalf of the airline industry.  One aspect of the unprecedented financial
protection granted to this industry was to limit the potential impact of
liability lawsuits against the airlines to the liability insurance they
carried covering these incidents.
 
            This liability protection went hand in hand with another purpose
of this legislation.  This was the creation of the September 11th Victim
Compensation Fund, an unlimited commitment of our government to use our
Treasury to provide a no-fault alternative to litigation.  The Fund would
compensate the victims of these terrorist attacks and their families for
their economic and non-economic losses.  At the time the legislation was
adopted and signed into law, estimates of potential victims reached as high
as twelve to fifteen thousand.  Fortunately, the ultimate number of victims
and the related cost of the Compensation Fund is much lower than what had
been expected.  It is clear that Congress and the President, in providing a
fair no-fault alternative to protracted negligence litigation, anticipated
paying awards similar to those that would be recovered in court proceedings.
While the statute contained a more expansive definition of collateral
sources, the law generally relied on the same state laws that would be used
to determine loss in conventional litigation.  There was no limit or cap on
the compensation for loss that may be awarded. 
 
            There can be an endless debate about whether the enactment of
this legislation was an appropriate allocation of public resources.  After
all, airlines have far greater resources than just the insurance available
per plane.  They have paid massive negligence awards in many cases in the
past. Even if the financial impact of these attacks led to airline
bankruptcy, we have seen numerous major airlines suffer this fate without a
catastrophic effect on our economy.  Nonetheless, there is no question that
these actions of Congress and the President also reflected the very noble
and true outrage of our Nation and a heartfelt desire to aid the victims of
these attacks, as well as a desire to protect an industry.  The drafters and
signer of this legislation clearly understood that the targets of this
attack by foreign hostile forces represented the essence of our system-the
government and the financial industries of our country.  In subsequent
airport security legislation, Congress and the President similarly limited
the risks of litigation for other potential defendants.  No non-terrorist
defendant would have liability in excess of applicable insurance.
 
            Because of the unprecedented reach of this legislation, the
unknown losses that may be faced and the speed with which it was drafted and
signed into law, the actual law left the establishment of rules for the
operation of the Victims Fund to the Department of Justice.  An independent
Special Master was appointed, with broad powers to implement and oversee the
system.  
 
A basic principal of regulation is that the regulations not contradict or
override the purpose of the statute.  Unfortunately, in the current case,
the Interim Final Regulations have ignored the clear intention of the
statute to use conventional methods in the calculation of losses in
conformity with current state laws.  Instead, the regulations have imposed
inherent caps under Track A and a clear intention to abide with those caps
under Track B, based solely on the assumed resources available to the
claimants.  Such a regulatory action is in clear contravention of the
statute designed to compensate for losses in a manner consistent with that
applied in litigation.  The Interim Final Regulations undermine the
intention of Congress and the President to provide a full and fair
alternative to litigation for all victims.  The Interim Final Regulations
replace this clear statutory purpose with a concept more akin to that
applied under I.R.S. regulations governing the dispensing of charity
benefits-a "need" based standard, as opposed to a loss based standard.
 
The DOJ in adopting the regulations made very strong statements that the
size of awards would be limited for persons who earned above the 98th
percentile of national income because they were likely to have the resources
to protect themselves and didn't need to be fairly compensated for their
loss. Unfortunately, in addition to ignoring the statute, the imposition of
such a cap ignores both the financial realities of living in many
communities in the New York City area and the fact the Trade Center Victims
were chosen as targets precisely because of their financial success. It is
easy to understand that using a 98th percentile national cap had a far
greater limiting effect in the New York area for the many employees of
companies in the Trade Center.  For example, this would imply that only 2%,
or approximately 60, of the victims made over this amount.  Our company, as
well as several others, provided compensation histories for many victims in
the Trade Center prior to the adoption of the Interim Final Rules.  A roster
of the companies in the World Trade Center reads like a "Who's Who" of the
New York based financial sector of our economy.  It was therefore completely
clear to the DOJ and Special Master that many times that number of persons
made over the unrealistic limit used in the regulations.  
 
            In addition to ignoring the statute's intention regarding the
meaning of "loss", the purported justification of imposing such limits to
not unnecessarily use public resources also ignores the fact that a
significant portion of the governments cost may be paid by the private
sector.  Section 409 of the statute provides that the United States is
subrogated to any claim paid under the statute.  Since we can assume the
government would seek to minimize public expenditures, it would seem likely
that the government will negotiate with insurers for significant payments
under these subrogation rights.
 

Overly Expansive Application of Collateral Sources

 
As written, the Interim Final Regulations adopted a very broad reach for the
definition of collateral sources.  For example, voluntary survivors benefits
that are paid by employers would be included in collateral sources.  This
will obviously have the effect of discouraging employers from making such
payments.  For example, our commitment to pay for health insurance of
families may similarly reduce their awards from the Fund.  This will force
us, and other companies, to reconsider such voluntary This is, simply, cruel
and unnecessary.  In addition, the regulations penalize those conservative
and industrious persons who saved in pension funds and purchased insurance
by deducting the full amounts of these benefits from the awards they could
receive under the fund.  
 
The statute clearly would allow a narrower scope in defining collateral
source in the regulations.  For example, the definition of collateral source
could have excluded vested pension or retirement benefits (which are
essentially nothing more than a form of savings account which belong to an
employee) or other amounts (such as deferred compensation rights or the cash
value of a life insurance policy) which were, in effect, already owned by
the employee, as distinguished from a death benefit properly deductible from
the award (such as term life insurance or previously unvested interests in a
retirement fund).  As adopted, the regulations are capricious and can serve
no public policy purpose.  The victims who were spendthrifts who never saved
are rewarded with fewer reductions from the awards, as compared to persons
who made voluntary contributions to pension funds or purchased whole life
insurance as a savings and investment vehicle.  
 

Unfair Pain and Suffering Assumptions

 
            The adopting release for the regulations provides that pain and
suffering awards have been fixed consistent with standards applied to law
enforcement and military personnel.  While pain and suffering awards are
always subjective, it is hard to understand how the suffering of a group of
civilians, completely unprepared for the risk of violent deaths and
injuries, could be equated with persons who have voluntarily chosen to put
themselves at risk of such death and injury as part of their daily job.  
 
This type of an assumption is, again, completely inconsistent with the
language of the statute regarding compensation for non-economic loss.  It
imposes an unrealistically low and inapplicable standard whose sole purpose
is to limit the size of the award without providing adequate compensation by
any reasonable standard for civilians.
 

Conclusion

 
The statutory limitations on litigation designed to protect certain
industries left the Victims Compensation Fund as the only viable alternative
to recover losses.  The noble intentions of Congress and the President to
provide a fair alternative were structured to provide restitution without
limit.  The Interim Final Regulations have been expressly designed to alter
the intended effect of the statute.  This has put the squeeze on many
victims and families.  
 
The victims we knew in the Trade Center were among the most highly motivated
people in our country.  Their families shared their motivations and dreams.
Most paid taxes at the highest rates and never asked for, wanted or
anticipated being on the government dole.  Quite a few comment letters sent
to the DOJ prior to adopting the Interim Rules took the shocking position
that these people were being unjustly enriched at the public expense.
Unfortunately, this shocking position has found its way into the Interim
Final Rules.
 
The statute would have provided support to companies likely to be defendants
in lawsuits and just compensation for victims.  This reflected national
interest in preserving the airline and other industries and national outrage
on the attack on our American system.  Our government, through the
legislative process, made a policy decision that the costs were properly
placed on our Nation's Treasury.  What has happened through the Interim
Final Regulations is a trade-off, not envisioned by Congress or the
President, which has turned the legislation on its head-potential commercial
defendants have been protected at a cost to individual victims.  A strong
argument can be made that such limitations on awards, which have never
before been found in our American litigation system, only further victimized
the victims.
 
            We urge the Special Master and DOJ to reverse this injustice and
act consistent with the legislation and honor the memories of the many
unfortunate victims. 
 
Very truly yours,
 
 
Comment by:
Keefe, Bruyette &amp; Woods, Inc.

 
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Monday, November 26, 2001 8:33 PM

Victim Compensation Fund



Dear Attorney General Ashcroft:



The deaths on September 11th were the result of an attack on America.
Please do not discriminate against the unmarried partners of September 11th
victims.  All unmarried partners, gay or straight, young and old and their
dependents should be eligible for compensation.



Individual Comment
 
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Tuesday, November 06, 2001 1:28 PM
Payments to Victims

To Whom it May Concern:

I've got a major problem with this.  Though I sympathize and feel for
those persons who lost family in the attacks of September 11, I do not
believe that those acts of terror should make the families of the
victims millionaires, and that seems to be exactly where all this
funding is headed.  

The Red Cross has ceased accepting donations after having already
accrued $500 million.  The September 11th Fund is up to $320 million. 
The death toll for NY is not yet final, but, more and more, it seems
that the figure will come in well below that originally thought.  If one
takes the current estimate of those dead at 4800 and rounds it up to
5000 and divides that into the $820 million noted above, then each
family can potentially receive $164,000 right there.  This does not even
take into account all of the monies donated to other charities as well
as those designated specifically for the firefighters and resuce
workers.  And, in fact, the average worker in the Word Trade towers, the
Pentagon, and rescue field was NOT without life insurance and a
pension.   Consequently, it seems most of these families are going to do
all right without the funding set aside by the government. However, the
morass is there and can't be undone (unless congress votes to rescind
the bill, which they should not have passed in such a knee-jerk fashion
in the first place!).  Therefore, I strongly recommend that any
charitable monies received by the victims' families be deducted from any
government payment.


Sincerely,


Individual Comment
 
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        <name>Dublin Core</name>
        <description>The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/.</description>
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          <element elementId="50">
            <name>Title</name>
            <description>A name given to the resource</description>
            <elementTextContainer>
              <elementText elementTextId="294630">
                <text>dojW000101.xml</text>
              </elementText>
            </elementTextContainer>
          </element>
        </elementContainer>
      </elementSet>
      <elementSet elementSetId="4">
        <name>911DA Item</name>
        <description>Elements describing a September 11 Digital Archive item.</description>
        <elementContainer>
          <element elementId="52">
            <name>Status</name>
            <description>The process status of this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294631">
                <text>approved</text>
              </elementText>
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          <element elementId="53">
            <name>Consent</name>
            <description>Whether September 11 Digital Archive has permission to possess this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294632">
                <text>full</text>
              </elementText>
            </elementTextContainer>
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          <element elementId="54">
            <name>Posting</name>
            <description>Whether the contributor gave permission to post this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294633">
                <text>yes</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="55">
            <name>Copyright</name>
            <description>Whether the contributor holds copyright to this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294634">
                <text>yes</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="56">
            <name>Source</name>
            <description>The source of this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294635">
                <text>born-digital</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="57">
            <name>Media Type</name>
            <description>The media type of this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294636">
                <text>email</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="59">
            <name>Created by Author</name>
            <description>Whether the author created this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294637">
                <text>yes</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="60">
            <name>Described by Author</name>
            <description>Whether the description of this item was submitted by the author.</description>
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              <elementText elementTextId="294638">
                <text>no</text>
              </elementText>
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          </element>
          <element elementId="61">
            <name>Date Entered</name>
            <description>The date this item was entered into the archive.</description>
            <elementTextContainer>
              <elementText elementTextId="294639">
                <text>2001-11-06</text>
              </elementText>
            </elementTextContainer>
          </element>
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  </item>
  <item itemId="23490" public="1" featured="0">
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          <name>Dublin Core</name>
          <description>The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/.</description>
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            <element elementId="50">
              <name>Title</name>
              <description>A name given to the resource</description>
              <elementTextContainer>
                <elementText elementTextId="264506">
                  <text>Department of Justice Emails</text>
                </elementText>
              </elementTextContainer>
            </element>
            <element elementId="41">
              <name>Description</name>
              <description>An account of the resource</description>
              <elementTextContainer>
                <elementText elementTextId="264507">
                  <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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        </elementSet>
      </elementSetContainer>
    </collection>
    <itemType itemTypeId="18">
      <name>September 11 Email</name>
      <description/>
      <elementContainer>
        <element elementId="65">
          <name>September 11 Email: Body</name>
          <description>The basic content, as unstructured text; sometimes containing a signature block at the end.</description>
          <elementTextContainer>
            <elementText elementTextId="294640">
              <text>

Sunday, January 20, 2002 9:12 PM
Compensating WTC families


 

 

 

January 17, 2002

 

 

Mr. Kenneth Feinberg

Special Master

US Department of Justice

 

Dear Mr. Feinberg:

 

As most, hopefully all, Americans, I am deeply saddened by the tragedy of September 11, 2001.  

I share the pain of the victims families and those otherwise traumatized by that national misfortune.

 

I humbly present my opinion on the method of providing compensation to the dependents of the 

victims.  Unfortunately, we have a talent for making things more difficult and complicated than they really should be.

 

A tragedy occurred and no one could have avoided it at that time.  Neither the government nor the airlines.  ALL THE VICTIMS DIED UNDER THE SAME CIRCUMSTANCE.  Therefore all the victims families are in the same boat.

 

We have expressed our sympathy and remember dearly those who have died.  They will be in our memory forever.  Therefore, it is not about the worth of the deads life.  IT IS ABOUT THE 

QUALITY OF LIFE FOR THOSE THEY LEFT BEHIND, THE LIFE OF THE LIVING.

 

Anyone of those who died in the tragedy could have died anyway the same day or the day after 9/ll under different circumstances, by natural cause and could have been covered  by private 

personal insurance.  By the same token, had 9/ll not occurred, anyone of those who died could have 

won the lotto jackpot on that day or the day after.  And the life of the poorest would have then 

become more valuable than that of the richest of those who died!!!  WE SHOULD BE ASHAMED

OF OURSELVES, if thats how we evaluate the worth of a life.

 

America, more specifically Dear New York, has a chance to show that it understands what is meant 

by the words equality of opportunity.  The fairest way to compensate the families is to give them an equal amount of money based on the unit of dependents (per number of dependents)  pure and simple.  They are all in the same boat, their dead ones are as dear to them as those of anyone else, whether a fireman, a policeman or simply the pizza delivery person.  

 

Let us be supportive of one another.  

 

Sincerely,


Individual Comment

 
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          </elementTextContainer>
        </element>
        <element elementId="66">
          <name>September 11 Email: Date</name>
          <description>The local time and date when the message was written.</description>
          <elementTextContainer>
            <elementText elementTextId="294641">
              <text>2002-01-20</text>
            </elementText>
          </elementTextContainer>
        </element>
      </elementContainer>
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      <elementSet elementSetId="1">
        <name>Dublin Core</name>
        <description>The Dublin Core metadata element set is common to all Omeka records, including items, files, and collections. For more information see, http://dublincore.org/documents/dces/.</description>
        <elementContainer>
          <element elementId="50">
            <name>Title</name>
            <description>A name given to the resource</description>
            <elementTextContainer>
              <elementText elementTextId="294642">
                <text>dojN002141.xml</text>
              </elementText>
            </elementTextContainer>
          </element>
        </elementContainer>
      </elementSet>
      <elementSet elementSetId="4">
        <name>911DA Item</name>
        <description>Elements describing a September 11 Digital Archive item.</description>
        <elementContainer>
          <element elementId="52">
            <name>Status</name>
            <description>The process status of this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294643">
                <text>approved</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="53">
            <name>Consent</name>
            <description>Whether September 11 Digital Archive has permission to possess this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294644">
                <text>full</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="54">
            <name>Posting</name>
            <description>Whether the contributor gave permission to post this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294645">
                <text>yes</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="55">
            <name>Copyright</name>
            <description>Whether the contributor holds copyright to this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294646">
                <text>yes</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="56">
            <name>Source</name>
            <description>The source of this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294647">
                <text>born-digital</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="57">
            <name>Media Type</name>
            <description>The media type of this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294648">
                <text>email</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="59">
            <name>Created by Author</name>
            <description>Whether the author created this item.</description>
            <elementTextContainer>
              <elementText elementTextId="294649">
                <text>yes</text>
              </elementText>
            </elementTextContainer>
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          <element elementId="60">
            <name>Described by Author</name>
            <description>Whether the description of this item was submitted by the author.</description>
            <elementTextContainer>
              <elementText elementTextId="294650">
                <text>no</text>
              </elementText>
            </elementTextContainer>
          </element>
          <element elementId="61">
            <name>Date Entered</name>
            <description>The date this item was entered into the archive.</description>
            <elementTextContainer>
              <elementText elementTextId="294651">
                <text>2002-01-20</text>
              </elementText>
            </elementTextContainer>
          </element>
        </elementContainer>
      </elementSet>
    </elementSetContainer>
  </item>
</itemContainer>
