Below is information on both public agencies and private sector resources providing assistance to businesses, as well as contact numbers for insurance companies. Please note that the New York City Investment Fund does not administer these programs and therefore cannot respond to inquiries regarding such programs. Please use the phone numbers and Internet links below for additional information.


Any business in need of financial assistance should first register with the Federal Emergency Management Agency (FEMA). FEMA provides access to many assistance programs and services available from federal, state, local and voluntary sources. Individuals (not businesses) may also be eligible for rental/mortgage assistance from FEMA. FEMA is now taking business information and distributing applications at just one location, 141 Worth St. Hours are M-F 9am – 5pm and Sat. from 9am – noon. People may register by telephone at 800-462-9029 and get information through the help line at 800-525-0321. http://www.fema.gov/nwz01/nyfaqs_tlfree.htm
The deadline to register is SEPTEMBER 30, 2002


FINANCIAL RECOVERY FUND: recoverable grants for professional, personal or business services and manufacturers: $25,000 TO $250,000
The Financial Recovery Fund of Civic Capital Corporation is providing recoverable grants of between $25,000 and $250,000 to small businesses affected by the 9/11 WTC attacks. Businesses may be eligible if they were operating at Chambers Street or below for at least six months prior to 9/11, have between 4 and 100 employees (except retailers and restaurants, which must have 50-100), are current on taxes and were viable before and after 9/11. Call (212) 493-7760 or see www.nycif.com/recoveryfund for information and an application.

The WTC Business Recovery Grant Program will provide cash grants to eligible businesses (including not-for-profit organizations) on or south of 14th Street to compensate them for economic losses resulting from the disaster. The program will provide assistance in an amount up to 10 days of gross revenues, or $300,000 per business (whichever is less), depending on location. To be eligible for assistance through the program, applicants must show a business lease, deed or permit that was in effect on September 11th in the eligible areas.

If you have questions about the program, visit the Empire State Development Corporation (ESDC) reresentatives at the 2 Rector Street Business Recovery Center. Hours of operation are from M-F from 9am-5pm (Wednesdays 9am-8pm). You can also link to information on the program at www.nylovesbiz.com/wtc/wtc-grant-program.htm, or call 1-800-ILOVENY (1-800-456-8369).

The WTC Small Firm Attraction and Retention Grant Program will provide cash grants to eligible businesses and not-for-profit organizations that commit to leasing space and employing people south of Canal Street. The program will provide assistance in an amount ranging from $35,000 to $1 million, based on location and the number of employees at the eligible location. On May 30, the program was revised to include new guidelines for businesses employing between 1-10 employees. To review the criteria and program details, please visit http://www.nylovesbiz.com/wtc/sfarg/sfarg-guidelines.pdf For more information, visit 2 Rector Street or 140 William Street or call 1-800-ILOVENY. You can also link to information at www.nylovesbiz.com.

LOWER MANHATTAN BUSINESS RETENTION GRANT PROGRAM: professional or business services, manufacturers, distributors: grants up to $10,000.
Application deadline has passed.
NEW YORK STATE DISASTER RELIEF GRANT PROGRAM: retailers & personal service providers: grants up to $10,000
Deadline has passed. Aid now being given to businesses through the WTC Business Recovery Grant Program and Small Firm Attraction and Retention Grant Program.

September 11th Fund: Cash Assistance Program for Individuals
Deadline has passed for individuals who lost jobs or business, however those who lost family members may still apply for aid. Individuals who believe they are eligible can contact Safe Horizon’s 24-hour hotline, 1-866-689-HELP or their local United Way.
The Manhattan Chamber of Commerce (MCC) has set up the MCC Small Business Recovery Fund to provide grants to its small business members, with the help of the North American Chambers of Commerce. The fund is targeting Manhattan Chamber of Commerce members, with fewer than 10 employees, that have been directly impacted by the WTC attacks. For information and an application call (212) 479-7772 or visit www.manhattancc.org/wtc/smallbiz.htm. Click here for a list of MCC members.

SEEDCO – LOWER MANHATTAN SMALL BUSINESS AND WORKFORCE RETENTION PROJECT: grants, bridge loans and wage subsidies for small retailers and manufacturers
This program for small retail or manufacturing businesses located on or below Canal Street has been reinstated. It is administered by the Alliance for Downtown New York, Seedco, and Asian Americans for Equality/Henry Street Settlement (AAFE). Three kinds of services are available: financial assistance for working capital or bridge financing in the form of low-interest loans up to $100,000 with terms from 6 months to 3 years and grants up to $25,000 for one-time costs not covered by insurance; employment retention/wage subsidies to help small businesses meet payroll and retain workers; and business support services in the form of technical assistance from Seedco and pro-bono consultants. For additional information, visit www.seedco.org or call Seedco at (212) 473-0255 x 378 (disregard recorded message and leave contact information) or the Downtown Alliance at (212) 835-2771 (disregard recorded message and leave contact information).

SEEDCO – LOWER MANHATTAN SMALL GROCERS INITIATIVE: grants, loans and wage subsidies for small grocers and similar food-related businesses
The Lower Manhattan Small Grocers Initiative provides grants, loans, wage subsidies and other business assistance to small grocers and similar food-related businesses located south of Houston Street. Applicants must be located in Lower Manhattan, on or below Houston Street-and intend to stay there, employ 50 or fewer employees, demonstrate adverse impact from 9/11, be at risk for layoffs or already have laid off workers, and demonstrate viability prior to 9/11 and going forward. For more information please call Seedco at (212) 473-0255 x 376 or visit http://www.seedco.org/about/news/index.html.
SEEDCO – LOANS FOR NONPROFIT ORGANIZATIONS: loans of up to $500,000 to tax exempt not-for-profit organizations
No longer accepting applications.

NONPROFIT RECOVERY FUND: grants, recoverable grants and loans for small and medium-sized non-arts nonprofit organizations
The Nonprofit Finance Fund offers financial assistance packages combining grants, recoverable grants and loans for non-arts nonprofit organizations that were affected by the disaster (arts organizations should see the New York Arts Recovery Fund). The Fund will help nonprofits that suffered physical damage to their facilities, are coping with income interruption, or are responding to increased demand for services to victims of the disaster. For more information, and to learn how to apply, please see the Nonprofit Finance Fund or call (212) 868-6710.

MELLON FOUNDATION: Grants of $250,000 to $2 million for NYC cultural and performing arts organizations
(only not-for-profit organizations)
No longer accepting applications. However, Mellon funds have been distributed to three other organizations for distribution: the Alliance of Resident Theaters, the New York Foundation for the Arts and the American Music Center.
ALLIANCE FOR RESIDENT THEATERS/NY: grants of up to $50,000 for 9/11-affected not-for-profit theater companies with budgets of up to $4 million. Deadline has passed.
NEW YORK FOUNDATION FOR THE ARTS – NEW YORK ARTS RECOVERY FUND: grants up to $10,000 for indiviudual artists, individual artists applying as small businesses and nonprofit arts organizations affected by 9/11
Deadline has passed.
AMERICAN MUSIC CENTER – MUSIC LIBERTY INITIATIVE FOR NEW YORK: grants for music organizations and composers affected by 9/11
Additional funding has been received for this grant program, which helps music organizations and composers recover from the economic effects of 9/11. Details have not yet been released on the web site, but keep checking for more information on guidelines and applications, or call Philip Rothman, Manager of Grantmaking Programs at (212) 366-5260.
LOWER MANHATTAN EMERGENCY PRESERVATION FUND: grants for owners or lease-holders of historic buildings
Five prominent historic organizations founded the Lower Manhattan Emergency Preservation Fund to provide grants to help alleviate the physical impact of the September 11, 2001 disaster and to stabilize, renovate, and restore damaged historic sites in Lower Manhattan. Applicants must be the owner or lease-holder of an eligible site or the sponsor of an eligible project in the defined area south of Canal Street to the tip of Manhattan. The applicant’s historic resource(s) have either suffered damage caused by the events of September 11, or are now threatened by current conditions and/or potential changes in the surrounding area. The applicant must provide evidence that the need was caused by the events of September 11. Preference will be given to those for whom funds are not otherwise available from insurance reimbursements or other public funds earmarked for emergency efforts in Lower Manhattan, and for non-profit applicants whose disaster-related preservation expenses are beyond their normal operating budgets.

Applications will be accepted on a rolling basis and decisions will be made in a timely fashion. Typical grants will fall between $5,000 and $15,000. Applicants should provide a brief narrative describing the project (no more than 2 pages), a project budget, 1-6 illustrations and/or photographs demonstrating the need for the grant, other materials as requested during the evaluation process.
Send 6 copies of all written materials and 1 set of visual materials to:

c/o Roger Lang
New York Landmarks Conservancy
141 Fifth Avenue
New York, NY 10010

Please call Mr. Lang at the NY Landmarks Conservancy (212-995-5260) with any questions.



WORLD TRADE CENTER BUSINESS RECOVERY LOAN PROGRAM: loans for small businesses south of 14th Street
This program has not yet been announced; however, the Empire State Development Corporation has announced that it is working on a loan program for small businesses south of 14th Street who have faced difficulty obtaining needed financing from currently available sources. This program is still in proposal stages, but lending is expected to begin in early July. Call 1-800-I LOVE NY or see ESDC’s website
SBA: up to $10 million of disaster loans and economic injury disaster loans
The U.S. Small Business Administration (SBA) is the primary source of federal funds for long-term recovery assistance for disaster victims. It is making Physical Disaster Loans (for property damage of businesses of any size) of up to $10 million at 4.0% to qualified businesses and nonprofits. It is also providing up to $10 million in Economic Injury Disaster Loans at 4.0% to small businesses. Further information on SBA assistance can be found at http://www.sba.gov/disaster/newyorkfires.html. Call 800-659-2955 to request an application by mail or go to one of two SBA locations taking business information and distributing applications. The SBA center locations and hours are (subject to change without notice):
Location Hours
141 Worth Street at Centre Street M-F 9-5, Sat 9-12
140 William Street
(in the Community Room) M-F 9-5, Wed 9-8
To check status of a pending SBA application: Call 1-800-659-2955 and ask for customer assistance. Hours are 7-5:30 Mon-Sat. You will need your Tax ID #, SS# or FEMA Registration # in order to receive status information.

Private banks, working with the City and State of New York, are giving bridge loans of up to $100,000 to qualified businesses and not-for-profit organizations that suffered economic injury or physical damage from the WTC attacks. Qualified businesses will be able to obtain funds while their SBA applications are being reviewed. Each participating bank will use its own application and lending criteria. You may need your FEMA registration number to apply. The loans may be used to provide working capital, real estate to purchase machinery and equipment, or for facility rehabilitation. If the business does not qualify for SBA assistance, banks may restructure the bridge loans as term loans. http://www.nyc.gov/html/em/loan.html

Contact numbers for participating financial institutions:

Bank of New York (800) 621-3443 (Small Business Recovery Center)
Citibank (800) 328-2484 (press 1)
Fleet (212) 703-1504 (Emergency Financial Assistance)
HSBC Bank USA (800) 975-4722 (They refer you to your local branch)
JP Morgan Chase (888) 842-8786 (Small Business Assistance)
Community Capital Bank (718) 802-1212 (ask for Mr. Charles Lockley)
For additional information, please click here for a copy of our press release. (requires Adobe Reader)

FLEET EMERGENCY LOAN FUND: $10,000 – $5 million loan
Deadline has passed.
HSBC: Up to $2 million loan
HSBC Bank USA’s Rebuild New York Loan Program is a $200 million fund established on September 26 for loans to small businesses directly or indirectly affected by the WTC tragedy. Through December 31, 2001, HSBC will offer companies seeking a loan of $2 million or less, a fixed rate loan of between 6% and 6.75%, or a variable loan at prime minus two points. Call (800) 975-4722 (press 2, then Rebuild NY Loan Program) or (800) 292-4387. Click here to view press release. The application deadline has been extended to June 30, 2002

New York State Small Business Development Center (NYS SBDC) has teamed up with New York Business Development Corporation to create the WTC Small Business Recovery fund to assist small businesses in New York City. Phase I will give immediate access to directly impacted small businesses for up to $5,000 in funding. The funds will be interest-free and principal-deferred for the first six months of the three-year term. Fixed-rate interest of 3% will be charged for the balance of the term. Phase II of the plan provides intermediate access to directly and indirectly impacted small businesses of between $25,000-$50,000 in funding. These funds will be made available, in participation with financial institutions whenever possible, and will require “fast track” underwriting or credit scoring. The fund will seek to subsidize participating lenders or participate in loans to achieve a 3.5% interest rate on fund- sponsored loans for a term of up to seven years. For more information, call (800) 732-7232 or visit www.nyssbdc.org/recovery/recovery.html

The Renaissance Economic Development Corporation is making short-term working capital bridge loans of up to $15,000 to small, start-up and established businesses adversely affected by their proximity to the World Trade Center, particularly those south of Houston Street. Terms are 6 to 18 months, with an interest rate of 4 to 6 %. Please call (212) 964-6022 or visit www.renaissance-ny.org
REDAC: $5000-$25,000 Disaster Relief Business Loan
Regional Economic Development Assistance Corporation is providing Disaster Relief Business Loans of $5,000-$25,000 to small businesses. The loans may be used for all business expenses, including: physical reconstruction, payroll, inventory replacement, relocation costs, and equipment replacement.
Gloria Benjamin (718) 522-4600 x18
George Hirschfeld (718) 522-4600 x19

Application deadline: June 30, 2002
BEDC: $10,000 line of credit for Brooklyn businesses
Brooklyn Economic Development Corporation has a $10,000 Line of Credit available for Brooklyn businesses or businesses owned by Brooklyn residents. The loans may be used for business expenses (including help with cash flow issues created by loss of business).
Gloria Benjamin (718) 522-4600 x18
George Hirschfeld (718) 522-4600 x19
WASHINGTON HEIGHTS AND INWOOD DEVELOPMENT CORPORATION: up to $50,000 for Washington Heights, Harlem and Inwood businesses
The Washington Heights and Inwood Development Corporation has a loan program for Washington Heights, Harlem and Inwood small businesses that were directly affected by 9/11. Businesses must have less than $1 million in income and fewer than 5 employees. The program provides up to $50,000 in financing (term loans primarily) for up to 5 years at prime + 3%. For more information, call (212) 795-1600 and ask for Rose, Dennis or Danny.
FUND FOR THE CITY OF NEW YORK: Cash Flow Loan Program for nonprofits
The Fund for the City of New York’s Cash Flow Loan Program can assist nonprofit organizations waiting for contracted funds from governments and foundations. The program provides bridge financing to cover delayed payments due. For more information, go to www.fcny.org/cash/index.html or call Andrew Walrond at (212) 590-9246.
Loans up to $100,000 are available from ALLIANCE FOR DOWNTOWN NEW YORK, SEEDCO, ASIAN AMERICANS FOR EQUALITY (see Grant Programs)



ACCION NY – AMERICAN DREAM DISASTER RELIEF PROGRAM: loans up to $30,000 + additional grant equal to 10% of loan
ACCION NY is a nonprofit, microfinance organization committed to working with self-employed individuals who lack access to traditional forms of business credit. ACCION NY provides business credit and other support services, and has established the American Dream Disaster Relief Fund to focus on microbusiness owners. The loans target businesses which (1) do not meet SBA requirements, (2) are located south of 14th Street or (3) can demonstrate that at least 50% of the businesses’ clients (or contracts) were located in the affected area. Loan amounts range up to $30,000, have flexible terms, no closing fee, and 5% interest rates. In addition, ACCION NY has partnered with World Vision, who will contribute a grant of an addtional 10% of the loan amount. Application deadline 12/31/02
You may also attend a weekly information session in Brooklyn, the Bronx, Queens or Upper Manhattan. To talk to a loan officer, call (917) 620-0353, (917) 620-0386 or (917) 543-6873.

ACCION NY – DISASTER ASSISTANCE LOANS FOR EXECUTIVE CAR AND LIMO DRIVERS: loans up to $10,000 + additional grant equal to 30% of loans
ACCION NY (www.accionnewyork.org) has also established a loan program for executive cars and limo drivers who can demonstrate that 50% of their clients were located south of Chambers Street prior to 9/11/01. Loan amounts range up to $10,000 at a 5% interest rate over 24 months. As with the American Dream program, World Vision is partnering with ACCION to supplement the loans with grants – in this case, grants of 30% of the loan amount. Those seeking funding must be pre-screened for eligibility and attend an information session in order to receive an application. For more information on requirements and necessary paperwork, see our website or call Lindy Miller at (917) 545-4285.
COUNTMEIN: $500-$10,000 for female-owned businesses
CountMeIn has money available to make 5% micro loans to women whose businesses were negatively impacted by the WTC attack. To qualify, the business must be located south of 14th Street. For information, see http://www.count-me-in.org or call Brenda Worthy at (212) 691-6380.
SAFE HORIZONS: awards of up to $1,500 for small-business owners and employees
Deadline has passed for small business owners, however Safe Horizons is still assisting displaced residents and families of victims. Call (212) 577-7777 or (800) 621-HOPE for information. www.safehorizons.org

THE LOWER EAST SIDE PEOPLE’S FEDERAL CREDIT UNION: micro loans up to $10,000 and small business loans up to $25,000 for members
LESPFCU is providing affordable financial services to micro and small business owners who are members of the credit union who were affected by 9/11. The Micro-Enterprise Program offers micro-enterprise loans from $500 to $10,000, seminars and one on one help. The Small Business Loan Program provides business loans from $10,001 to $25,000 to small businesses (total business assets not to exceed $250,000) for working capital and fixed asset acquisition. For additional information, please call Cathy Hickey at (212) 529-8197, ext 18, or email [email protected]



Lower Manhattan Development Corporation
Lower Manhattan Development Corporation is an organization that works in cooperation with Governor Pataki, Mayor Bloomberg and the many city, state and federal agencies to coordinate long-term planning for the World Trade Center site and surrounding communities while pursuing initiatives to make Lower Manhattan a great place to live, work and visit.

ASSOCIATION OF THE BAR OF THE CITY OF NEW YORK: guidance and assistance for small businesses south of 14th Street
The small business initiative of the Association of the Bar of the City of New York Fund Inc. offers pro bono legal services for small businesses (fewer than 25 employees) south of 14th Street that were directly affected by the 9/11 disaster. The program provides assistance in such areas as death certificates, insurance, probate, real property, contracts, real estate and immigration issues. For information, please call the City Bar’s September 11 hotline at (212) 626-7373.
mediation help and advocacy for 9/11-related commercial real estate disputes
This program, created by the Honorable Fern Fisher, Administrative Judge of the Civil Court, the Legal Aid Society, the Association of the Bar of the City of New York, Stroock & Stroock & Lavan and Latham & Watkins, is designed to assist small businesses in Lower Manhattan with the resolution of commercial rent disputes related to economic difficulties post-9/11. The mission of the Project is to transform eviction proceedings into opportunities to explore mutually beneficial resolutions, avert business dislocation, and contribute to the resurgence of the downtown areas affected by the WTC tragedy. The Project establishes a Special Calendar to hear these cases at the Manhattan Civil Court starting June 4, 2002, and features intensive mediation services to facilitate settlement. Small businesses that do not already have lawyers will be provided with pro bono counsel. For more information, please contact the City Bar Fund September 11 hotline at (212) 382-4763 (small businesses should then select “2”).
LAWYERS ALLIANCE FOR NEW YORK: guidance and assistance for nonprofits
The Lawyers Alliance for New York provides information and assistance regarding legal questions or business law needs, as well as questions related to real estate, employment or other unexpected issues. Works with nonprofit groups affected by the WTC attack. Contact Laurie Moses at (212) 219-1800, ext 223, or email [email protected]

LIBERTY ZONE TAX BENEFITS: tax relief for businesses south of Canal Street
In April 2002, President Bush signed in legislation creating “liberty zone” tax benefits for businesses in Lower Manhattan (south of Canal and Rutgers Streets). This legislation: (1) creates a benefit credit of $2400 per employee, similar to the federal Work Opportunity Tax Credit, for Liberty Zone businesses with 200 or fewer employees; (2) allows taxpayers to claim a first year depreciation deduction equal to 30% on property in the Liberty Zone purchased after 9/10/01; (3) increases the amount that businesses with smaller capital expenditures may expense under section 179 of the tax code by an additional $35,000 and reduces the portion of the cost of Zone property when applying the phase-out threshold; (4) increases the replacement period under section 1033 of the tax code, to avoid recognition of gains from property purchased to replace damage from 9/11; (5) provides a 5-year recovery period for depreciation of leasehold improvements for property placed in service after 9/10/01; (6) authorizes the issuance of up to $8 billion of tax exempt private activity bonds (“Liberty Bonds”) over the next 3 years. For more information, please see www.nylovesbiz.com/wtc/liberty-zone/liberty-zone.htm or visit www.irs.ustreas.gov/relief/index.html.

Real estate tax benefits available include (1) a $2.50/square foot real estate tax abatement that reduces real estate taxes in pre-1975 buildings in Lower Manhattan for 5 years by up to $2.50 per square foot and requires landlords to pass this savings on through reduced rents, and (2) a commercial rent tax special elimination and reduction that eliminates the Commercial Rent Tax in pre-1975 buildings in Lower Manhattan for the first 3 years of a lease, and reduces it by 2/3 and 1/3 for the 4th and 5th years.
The New York Power Authority is helping businesses rebound through the reallocation of 80 megawatts of low-cost NYPA power previously supplied to the World Trade Center. Priced some 25% lower than standard commercial rates, the NYPA power has been designated for resale to certain businesses as an incentive to help rebuild the Liberty Zone. The plan is being made available to the following (in order): (1) former tenants of WTC buildings one, two, four, five and six and other businesses displaced in the September 11 disaster that have relocated in the Liberty Zone or the Resurgence Zone; (2) former tenants of WTC buildings one, two, four, five and six and other businesses displaced in the disaster that have relocated in the City of New York but have committed to move back to the Liberty Zone or the Resurgence Zone when redevelopment is completed; (3) businesses located or intending to locate in the Liberty Zone or the Resurgence Zone and to retain or create jobs in those areas. Of the 80 mw, up to 15 mw will be made available to small businesses. For more details, please call (800) 622-6972 or visit www.nypa.gov/wtc/default.htm.

NY DEPARTMENT OF LABOR: Shared Work and Rapid Response Programs
The NY Department of Labor has started a Shared Work program. It is a voluntary program that provides employers facing a temporary decline in business with an alternative to layoffs. Rather than laying off a percentage of the work force to cut costs, an employer can reduce the company’s payroll temporarily by reducing the hours and wages of all or a particular group of employees. The employees whose hours and wages are reduced can receive partial unemployment insurance benefits to supplement their lost wages. To be eligible, a company must employ a minimum of 5 employees (including the owners). For applications call (518) 457-5807 or click here.
The NY Department of Labor is also offering a Rapid Response program that gives training grants to upgrade the skills of a business’s existing workforce and to help avert layoffs. Contact Andrea Snyder at (212) 621-9343 for more information.

STERN REBUILDS: business assistance for small and medium-sized businesses
This program has reached capacity and is no longer able to provide assistance.
NYSSCPA: guidance and assistance
New York State Society of CPAs is providing free assistance to businesses directly affected by the WTC disaster, including: accounting advice, preparing applications for SBA loans and preparing applications for other available financing. They are also providing help to NYSSCPA members in need of office space, office equipment, website and telephone linkages. Contact (800) 633-6320 (David Cho) or stop by the help desk at 110 Maiden Lane from 9-5 weekdays or 9-3 weekends.



ReSTART Central is an effort that has been set up by the Economic Development Corporation of New York City, the Empire State Development Corporation and the New York City Partnership to assist businesses directly affected by the September 11 disaster in getting back on their feet.
The City and State are now working together with the private sector via Restart Central to assist businesses in procuring discounted and donated goods and services. Business who need assistance with goods and services should call the BUSINESS ASSISTANCE HOTLINE at (866)-227-0458 or go to www.restartcentral.com



Free help with financial, insurance or tax forms, and financial counseling: The New York State Society of Certified Public Accountants has established a network of business advisors and financial professionals offering free assistance to businesses and individuals directly affected by the events of Sept. 11. Contact the Society’s Disaster Assistance Hotline at (800) NYSSCPA, visit their help desk at the Disaster Assistance Service Center at 110 Maiden Lane in New York City or visit their website at http://www.nysscpa.org/index4.htm. Services include help filling out financial assistance forms or insurance claims, tax advice, and financial management counseling.



Name Phone # / Address
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CNA Financial Corporation 800 CNA-CALL (property and casualty claims)
800 437-8854 (life and LTC claims)
800 523-9139 (group benefits claims)
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Fireman’s Fund Insurance Company 800 548-4357
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The Hartford Financial Services 800 243-5860 (property-casualty and workers’ compensation)
888 563-1124 (group life or disability insurance claims through an employer or professional association)
888 833 5575 (individual life insurance claims through an agent, broker of financial planner)
800 862-6668 (annuity claims)
rr rr
Liberty Mutual 800 295-3739 (commercial)
800 713-7379 (auto and homeowners insurance)
800 451-7065 x.36115 (life insurance)
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Nationwide Insurance 800 421-3535 (auto & property losses)
800 543-3747 (life insurance claims)
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Phoenix & Phoenix Foundation 800 814-3692 (expedited claims processing)
800 628-1936 (other customer service questions)
tt yy
Prudential Financial 800 PRU-CALL (individual life and annuity claims)800 225-5615 (group life and disability claims)800 437-3535 (auto and homeowners claims)
yy yy
Travelers Insurance 800 238-6225 (business)800 842-0240 (workers’ compensation)
800 252-4633 (auto & homeowners)
800 334-4298 (life insurance)
800 842-5642 (annuities)
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IRS disaster relief information: available at http://www.irs.gov/relief/business.html. It includes information on Penalty Relief for Defined Benefit and Money Purchase Pension Plans, Quick Refunds for Disaster Area Taxpayers, Early Refunds of Estimated Taxes, Extensions to Tax Exempt Bond Issuers and Deadline Extended for Employee Benefit Plan Filings.

Email the IRS with questions. Business taxpayers affected by the 9/11 terrorist attacks can email questions to [email protected]

Delayed filing deadlines: PricewaterhouseCoopers summarizes delayed filing deadlines by the federal government and certain Metro NY governmental authorities as a result of the WTC disaster. (requires Adobe Reader)

Faster federal tax relief opportunity: Deduct the loss in the year prior to the disaster (Information from PricewaterhouseCoopers). Individuals or corporations that suffered deductible losses from the World Trade Center disaster may be able to deduct those losses in the preceding year under Internal Revenue Code Section 165(i). The deadline for filing a claim for the prior year would generally be the due date of the current year’s return (not including extensions). For example, a corporate taxpayer with a taxable year ending September 30, 2001 must make the election to claim the loss for the prior taxable year by December 15, 2001. The claim should be clearly indicated and can be made either on a return, an amended return, or a claim for refund. (Please consult your tax advisor.)

Information on Tax Relief: available at http://www.tax.state.ny.us/nyshome/wtc_inf…