Hansen & Rosasco, LLP

For many individuals in the 9/11 community, the toxic exposure from the World Trade Center (WTC) rescue, recovery, and cleanup operations has led to serious long-term health problems, including permanent disability, even years after their exposure. Before the Bill Ricci Act, these individuals often did not qualify for Accidental Disability Retirement (ADR) because their illnesses did not stem from a single “accident” under previous rules.

The Bill Ricci Act changed the requirements for ADR. Named after Clinton Fire Lt. Bill Ricci, the law created a new system for responders seeking disability retirement. If you or a loved one suffers from a WTC-related illness and served in the recovery or cleanup effort, this law may make you eligible for ADR.

When applying for 9/11 benefits, it is important to understand the difference between two important terms: “certified condition” and “eligible condition”. While they sound similar, these terms refer to two different parts of the 9/11 health and compensation system.

People exposed to September 11th toxins often suffer from more than one 9/11-related health condition. Many have both respiratory illnesses and cancer, or multiple types of cancers, all of which are linked to their time in the NYC Exposure Zone. Our clients often ask if having more than one certified condition can increase compensation from the 9/11 Victim Compensation Fund (VCF).

The answer, in many cases, is yes – multiple certified conditions can increase your VCF award. The increase is not automatic, and understanding how the VCF evaluates conditions and determines award amounts is essential. In many cases, after an initial VCF claim and award, a person develops a new (sometimes more serious) condition that may also entitle them to amend their claim and receive additional compensation. Here, we break down how the VCF determines award amounts when a 9/11 VCF claimant suffers from multiple 9/11-related conditions.

When filing a claim with the September 11th Victim Compensation Fund (VCF), understanding the difference between economic loss and non-economic loss is essential. These two categories determine how much compensation you or your family may be awarded due to 9/11-related health conditions or due to loss of life as a result of a 9/11-related health condition. Whether you’re suffering from cancer or other health conditions caused by toxic dust exposure or have lost a loved one, the amount of compensation you receive depends on how these losses are calculated and documented.

Here, we break down the difference between economic and non-economic loss under the VCF, how each is calculated, and how this distinction can impact the outcome of your claim.

The holiday season can be a time of joy, connection, and celebration, but for many families in the 9/11 community, it can also be a difficult time. Living with a 9/11-related illness, whether physical or mental, can make the holidays more challenging, emotionally and physically. For family members and friends who want to help, it can be difficult to know how to help or what to say. Even small gestures of care and understanding can make a significant difference, such as recognizing the impact, helping with holiday tasks, and finding ways to make holiday moments special. Here, we highlight ways you can provide meaningful support for a loved one with a 9/11-related health condition this holiday season.

The World Trade Center Health Program (WTCHP) does not provide stand-alone coverage for routine dental care. However, it does cover dental treatment when the care is medically necessary and related to a certified 9/11-related health condition—most often when dental complications arise from cancer or its treatment. Because of this distinction, dental benefits under the WTCHP can be confusing: cleanings, fillings, and routine dental work are not covered, but dental procedures that are part of treating or managing a certified cancer or its side effects may be eligible.

While the physical challenges of a 9/11-related cancer or other illness are often significant, the emotional impact of a 9/11-related cancer diagnosis can be a significant additional challenge. In addition to the physical pain and necessary treatments, those with a 9/11 cancer diagnosis often navigate anxiety, uncertainty, and emotional exhaustion. Understanding these challenges and knowing where to turn for both medical and legal support can make a difference.

Consistent with his alma mater’s Vincentian mission of service to those in need, 9/11 attorney Troy G. Rosasco and his wife, Linda, have established the Troy & Linda Rosasco Endowed 9/11 Memorial Scholarship at St. John’s University School of Law. This important scholarship reflects the Rosascos' enduring commitment to future advocates for the 9/11 community. particularly individuals and families impacted by the tragedy, ensuring the next generation of lawyers will uphold a life of public service. As a result of the establishment of this scholarship, Troy Rosasco was awarded the prestigious Belson Medal by the Law School in 2025.

As we approach the 24th anniversary of September 11th this week, 9/11 is still claiming victims on a daily basis. Unfortunately, Hansen & Rosasco help families with 9/11 death claims on a daily basis. Whether caused by 9/11 related cancers or respiratory disorders, many individuals who lived or worked in Lower Manhattan have lost their lives due to exposure to toxic dust and debris in the aftermath of the collapse of the Twin Towers. These include first responders, cleanup workers, downtown Manhattan workers, residents, teachers, students, and volunteers. For those who have lost a loved one to a 9/11-related illness, filing a death claim with the September 11th Victim Compensation Fund (VCF) can provide more than financial compensation; VCF awards also offer recognition of your loss and a way to honor your loved one’s legacy.

The 9/11 Victim Compensation Fund, established under the James Zadroga 9/11 Health and Compensation Act of 2010 (Zadroga Act), provides substantial tax-free financial compensation to individuals and families impacted by the terrorist attacks and their aftermath. While these awards cannot replace what was lost, they are an acknowledgment of the suffering and sacrifice endured by individuals and families affected by the attacks and their loved ones. Every day, the team at Hansen & Rosasco helps families navigate the 9/11 Victim Compensation Fund bureaucracy and the filing of necessary paperwork with Surrogate Courts around New York and across the nation for 9/11 death claims. Unlike most other 9/11 law firms, Hansen & Rosasco employs a full-time Senior Estates paralegal to help families with Surrogate Court filings to appoint family members as “Personal Representatives” who can file claims and distribution documents to disburse monetary awards to the correct family members. 

When filing a claim for compensation with the September 11th Victim Compensation Fund (VCF), one of the most important eligibility requirements is proving that you were present in the New York City (NYC) exposure zone (generally all of lower Manhattan below Canal Street) during a specific time frame. Whether you were a first responder, a debris removal worker, a NYC resident, or a downtown worker, student, or other visitor in Lower Manhattan, you must provide documentation that shows your physical presence in the NYC exposure zone between September 11, 200, and May 30, 2002. This is where presence statements come into play in supporting your claim. Hansen & Rosasco will help you with this process.