Sept. 11 victims have collected more than $38 billion in compensation from insurance companies, the government and charities.
A report from the Rand Institute for Social Justice says civilians killed or injured have received an average of $3.1 million per person.
The study finds emergency workers on average got $1.1 million more than civilians with similar economic losses.
Researchers found insurers paid 51 percent of total compensation. The government provided 42 percent and charities distributed the remaining seven percent.
Rand says most of the money went to New York City businesses.
A co-author says the study "points out the hole that would be created if we don't have terrorism insurance."
A federal measure protecting companies from major financial losses if there's another attack expires at the end of 2005. Some in Congress are pressing for an extension now to keep premiums down.