Hansen & Rosasco, LLP

The September 11th Victim Compensation Fund (VCF) is currently taking about 15 months to decide and make an award on a claim. On May 5, 2026, the VCF issued the guidance on the timeline of decisions on claims, as follows:

When financial hardships hit, we understand the wait for help can be excruciating. While the September 11th Victim Compensation Fund (VCF) monetary award was designed to provide vital support to those affected by the 9/11 terrorist attacks on the World Trade Center (WTC), the time it takes to process a claim can be lengthy. Given the weight of physical, emotional, and financial burdens that come with a 9/11-related condition, many 9/11 survivors seek to accelerate the 9/11 VCF payout to find prompt financial relief. While the VCF claims process is designed to be thorough and equitable, there are provisions for expedited claims under certain dire circumstances. Your VCF claim may be expedited if you are experiencing a terminal illness or significant financial hardship.

Decades after September 11, 2001, thousands of individuals who lived, worked, or attended school in Lower Manhattan, and those who participated in rescue, recovery, and cleanup efforts, continue to face an increased risk of cancer and other illnesses due to toxic exposures from the collapse of the World Trade Center (WTC). Many of these cancers develop silently and slowly, with symptoms appearing years or even decades later. That delay in the appearance of symptoms makes regular cancer screenings not just important, but essential for those exposed to the toxic dust cloud released in the attacks.

For more than two decades, 9/11 victims have lived with the consequences of a decision that was made quickly, quietly, and disastrously wrong. Workers, residents, students, and responders were told the air was safe to breathe. They were urged to return to work, to clean, to recover, to rebuild. Now, the newly released Harding Memo confirms what thousands have long suspected. New York City officials knew the air was unsafe, in fact, that it was dangerous, and they said otherwise anyway.

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.