The WTC Health Program (WTCHP) provides free health screenings, medical monitoring, and treatment for 9/11 emergency responders and others who have been diagnosed with a covered condition under the WTCHP and have had their conditions certified as 9/11-related by a WTCHP physician. But often, those suffering from a 9/11-related illness, injury, or other condition will have incurred significant medical expenses prior to their participation in the WTCHP.  Such out-of-pocket medical costs can be reimbursed as part of your award of compensation from the 9/11 Victim Compensation Fund (VCF), but only if you provide the VCF with the detailed documentation and information needed to support such a claim.

Eligibility for Medical Expense Reimbursement

The VCF will award you compensation for past out-of-pocket medical expenses if:

  • you have incurred and paid for a medical expense related to physical injuries and conditions that the WTC Health Program has found to be related to 9/11 and therefore are on the list of conditions established by the WTC Health Program; and
  • you have not been and will not be reimbursed for that expense from another source, such as insurance or workers’ compensation

When filing your VCF claim for past medical expenses, you will need to complete the VCF Medical Expense Worksheet. In addition to completing the worksheet, you will need to provide documents to support your reimbursement claim. Such documents include receipts, invoices, bills, or other documentation for each specific expense showing the amounts you have paid.

Tips for Completing the VCF Medical Expense Worksheet

Here are four important tips for completing and submitting the VCF Medical Expense Worksheet:

  • Only submit receipts for those expenses you list in your worksheet.
  • Only submit receipts related to treatment or medication for an eligible 9/11 physical condition.
  • Do not include expenses covered by the WTC Health Program as those costs are not eligible for reimbursement from the VCF.
  • Complete the worksheet in Microsoft Excel format. If the worksheet is not submitted in Microsoft Excel format in a timely manner, the VCF will calculate the amount of your award based on the information available and will not include any loss for claimed medical expenses.

If you receive an award from the VCF that does not include compensation for your past out-of-pocket medical expenses, you are not out of luck. You can amend your claim by submitting a properly completed and supported worksheet. Future medical expenses are not awarded by the VCF, because future medical care and prescriptions are covered (until 2090) for all 9/11-related conditions.

The experienced and committed WTC lawyers at Turley Hansen & Rosasco have assisted thousands of 9/11 victims and responders with their VCF compensation claims, including claims for past out-of-pocket medical expenses. We have helped over 1200 clients recover over $75 million in 9/11 victim compensation since the original Zadroga Act was passed in 2010.  Please call Turley Hansen today at 1-855-WTC-INFO (1-855-982-4636) or fill out our contact form to arrange for your free 9/11 claim evaluation. We look forward to assisting you.