Five Unexpected Facts About the 9/11 Victim Compensation Fund

The 9/11 Victim Compensation Fund (VCF) was established to provide financial compensation to individuals who suffered physical harm or lost loved ones as a result of the September 11, 2001, terrorist attacks. While many people are aware that the VCF exists, there are some little-known facts that can be essential knowledge for those who are eligible to file a VCF claim. Here are five unexpected facts about the VCF that all individuals affected by the 9/11 attacks should know.

1. You Can Still File for Compensation, Even 23 Years Post-9/11

Many people mistakenly believe that the window to file a claim with the VCF has closed. However, even 23 years after the attacks on the World Trade Center (WTC), you can still file a claim for compensation if you meet the eligibility criteria. The fund remains open to those who were affected by the attacks, including first responders, recovery workers, and most civilians who lived, worked, or went to school in the designated NYC Exposure Zone around the WTC (all of lower Manhattan south of Canal Street for the VCF and south of  Houston Street for the WTCHP). If you were in the vicinity of Ground Zero during or in the many months after the attacks (though mid-2003) and you got sick with any type of cancer or any breathing or digestive condition, you may still be eligible to file a claim, regardless of how much time has passed.

If you lost a loved one who was present in the downtown Exposure Zone on or after 9/11, and they have since passed due to a 9/11-related condition, either recently or as early as 2002, you can still file a claim. It is not too late.

2. The Act Has Been Extended a Few Times – You Can Now File Through 2090

The VCF was created as part of the James Zadroga 9/11 Health and Compensation Act (Zadroga Act), and, originally, it was intended to be a temporary measure, with a limited timeframe for filing claims. However, due to ongoing health issues experienced among 9/11 survivors and responders, most of which only surfaced years after 9/11 exposure, the VCF has been extended multiple times. Most notably, in 2019, the Zadroga Act was amended to extend the VCF through 2090. This ensures that future generations affected by 9/11-related health conditions such as any cancer can still seek compensation. This extension of the Zadroga Act reflects the United States government’s recognition of the long-term health impact of the attacks.

3. You Don’t Have to Be a First Responder - Downtown Civilian Workers, Residents, and Students are Covered Too

While the VCF is often associated with emergency responders and recovery workers, you don’t have to be one to be eligible for compensation. The fund is also available to anyone who was in the designated exposure zone on or after 9/11, including residents, workers, and students. If you were living, working, or attending school in Lower Manhattan at the time of the attacks or in the months that followed, you may be eligible for compensation, even if you weren’t involved in the rescue and recovery efforts. The fund covers a wide range of individuals who were affected by the toxic dust and debris released during and after the attacks.

4. You Don’t Have to Currently Be Sick to Register, Either

Another common misconception is that you must already be sick or injured to register with the VCF. In reality, you can register even if you are currently healthy, as long as you were present in the exposure zone and meet the eligibility requirements. This is particularly important because some 9/11-related health conditions, such as cancers, may not develop until years after exposure. By registering now, you can protect your right to file a claim in the future if you develop a 9/11-certified illness. The VCF allows you to register and document your exposure, even if you haven’t yet experienced any symptoms, ensuring you’re covered if health issues arise later.

5. The VCF Is Separate From the WTCHP – But They Work Hand-In-Hand

The VCF and the World Trade Center Health Program (WTCHP) are two separate entities, but they work together to provide comprehensive support to 9/11 victims. The WTCHP is responsible for certifying 9/11-related health conditions, as well as monitoring and treating 9/11-related health conditions, while the VCF provides financial compensation for economic and noneconomic loss related to 9/11. To receive compensation from the VCF, your illness must be certified by the WTCHP as being related to your 9/11 exposure. This certification process is a key step in filing a successful claim with the VCF. While the two programs serve different purposes, they are both essential components of the support system for 9/11 survivors, responders, and others present in the aftermath of the attacks.

You Don’t Have to File On Your Own – An Attorney Can Help

Navigating the VCF claims process can be complex, especially when it comes to gathering the necessary documentation and proving your eligibility. Fortunately, you don’t have to go through it alone. A knowledgeable attorney who is experienced in 9/11-related cases can help you file your claim, ensuring that all the required information is submitted correctly and by the applicable deadlines. An experienced lawyer can also assist with any appeals or disputes that may arise during the process, increasing your chances of receiving the maximum compensation you’re entitled to. Working with an attorney can make the entire process smoother and less stressful (and quicker), allowing you to focus on your health and recovery.

The 9/11 Victim Compensation Fund remains an essential resource for those who were affected by the events of September 11, 2001. Whether you were a first responder, a resident, or a student in Downtown Manhattan, understanding these important facts about the VCF can help ensure that you receive the support and compensation you are entitled to. If you believe you may be eligible, reach out to one of the qualified attorneys at Hansen & Rosasco, LLP to help guide you through the process.