No, they are not insured the way some transit authorities insure transit passes purchased by using a debit or credit card. However, if you don't receive your pass by the first of the month you should call WageWorks who will tell you how to replace the card. If you lose the card during the month you use it, there is no insurance to replace it.
If this is a concern, you may use the WageWorks commuter card to purchase an unlimited MetroCard to benefit from the MTAs insurance policy. Rather than delivery of the pass each month to your home, you will need to purchase the pass directly from the MTA. More.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.