We are committed to ensuring that our site is accessible to all users. This Website has been developed using guidelines established by Section 508 of the Rehabilitation Act (as amended). Section 508 was enacted to eliminate barriers to information technology, to make available new opportunities for people with disabilities and to encourage the development of new technologies to help achieve these goals. This law requires that all individuals with disabilities have access to information and data comparable to that which is available to individuals without disabilities.
eSSENTIAL Accessibility: The National Association of Injured & Disabled Workers has partnered with eSSENTIAL Accessibility to provide you a specialized web browser at no charge. Individuals who have trouble typing, moving a mouse or reading can't access the web without assistive technology. See the complete list of features.
It is the foundation of a Disability Community Involvement initiative launched in association with leading advocacy groups for the disabled. Click on this icon to visit www.essentialaccessibility.com where assistive technology is available free of charge. eSSENTIAL Accessibility features an array of keyboard and mouse replacement solutions to enhance user experience and to help make the web accessible to all. These "alternative input methods" include a webcam-based hands-free movement tracking system that allows users to overcome any physical limitation. It also includes a web page reader.
The National Association of Injured & Disabled Workers is proud to be a founding member of this Disability Community Involvement initiative to create shared value. It reflects our commitment to Diversity, Inclusion, Corporate Citizenship and Social Responsibility. eSSENTIAL Accessibility is available only for Windows users. See the complete list of requirememts.
Two things have to happen to take full advantage of the eSSENTIAL Accessibility browser:
Download the browser here and try it out. We are very interested in your feedback.
Make the most of your current browser Your regular Internet browser has built-in features to make your surfing much easier. The accessibility settings are helpful to people with visual difficulties, hearing loss, discomfort in their hands or arms, or reasoning and cognitive issues. Depending on your browser, you can:
Note: Changing text size is built into our Website. Click the [A] Text or [A] Text icons at the top right corner of every page. Click the small A to get it page back to normal size.
Use the Tab key Almost anywhere on our site, pressing the Tab key will jump you from clickable link to clickable link (and the text boxes), and always in the same order. Look for a faint dotted-line surrounding the link to see where you are. When you first come to a page and hit Tab, the faint-dotted line will be in the upper left, around the link for English. When you land on a link you want, hit Return or Enter to select it.
Site map The site map shows you every link on the site, in plain text, in an outline format. This makes it very easy to use the Tab key to naviagte to any part of the site.
We have two site maps:
Resources for accessibility
NAIDW is strongly committed to protecting the privacy of our members and users. The information you submit through our website will NOT be rented or sold. As a guard against unauthorized access and to maintain accurate data, we have implemented procedures to safeguard and secure the information we collect online.
Submit the brief free case review form on this page and a NAIDW case representative will respond shortly to help assess your injury, illness, chronic pain, disability or death case. Third party assistance may be required. All information is confidential. Thank you!
NAIDW.org is not a law firm or medical practice. NAIDW.org and its products and services do not provide nor are a substitute for legal/medical advice. Only an attorney or medical professional can provide legal/medical advice.
No Attorney-Client relationship is created by use of this case evaluation or the NAIDW.org Website, the NAIDW.org Technology, its products or services, with this NAIDW.org Website, its owners, agents, representatives, providers, partners or affiliates.
Some work may be performed by, or referred to, other attorneys licensed within your State. Case cevaluations are always free to members and clients. A fee will only be taken by the attorney if there is a recovery for the client (contingency fee). Financial compensation for lost wages, injuries, and other damages is not guaranteed and may vary depending on individual circumstances.
This recognition & memorial page is dedicated to all of the workers touched by injury, illness, sickness, pain, disability and death.
This wall/monument and museum is not just for workers injured and killed in the line of duty, it is a tribute for all injured & disabled workers who are still fighting the effects!
Did you loose a family member, friend, colleague, or loved one due to injury, illness, pain or disability? Here you will be able to post their full name and brief bio on our Virtual Memorial Wall! Which will one day be created into a National Monument and Museum. Click Donate to Make $1 dollar Contribution
[gravityform id=8 ajax=true]
Click Here to download a tax deductible receipt.
* In the last 10 minutes, 498 Americans became disabled. National Safety Council, Injury Facts 2008 Ed.
* In the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes. National Safety Council, Injury Facts 2008 Ed.
* 3 in 10 workers entering the work force today will become disabled before retiring. Social Security Administration, Fact Sheet January 31, 2007
* 1 in 7 workers can expect to be disabled for five years or more before retirement. "Commissioners Disability Table, 1998," Health Insurance Association of America, the New York Times, February 2000
* An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65. Life and Health Insurance Foundation for Education, November, 2005
* Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year. "Ilness and Injury as Contributors to Bankruptcy," Health Affairs, February 2, 2005
* Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death. Health Affairs, The Policy Journal of the Health Sphere, 2 February 2005
* Over 51 million Americans are classified as disabled, representing 18% of the population. U.S. Census Bureau, Public Information Office, November 2008
* Workers today are 3 times more likely to suffer a long-term disability than to die during their working years. The Council of Disability Insurers. Long-Term Disability Claims Review, 2005
* While many people think that disabilities are caused by freak accidents, the majority of long-term absences are due to back injuries and ilnesses, such as cancer and heart disease. Council for Disability Awareness, Long-Term Disability Claims Review, 2007
* The average long-term disability absence last 2.5 years. Commissioner's Individual Disability Table A
* Less than half- 39% of the 2.1 million workers who applied for SSDI benefits in 2005 were approved. Social Security Administration, Office of Disability and Income Security Programs
* The average monthly Social Security Disability Income (SSDI) payment is $1,004, replacing on average, about 33% of your current income. Social Security Administration, Fact Sheet, 2008
* 32% of individuals receiving long-term disability insurance benifits do not qualify for SSDI benefits, and 95% are not eligible for workers' compensation.
* According to the Federal Reserve, 44% of U.S. families spend more than they earn. Federal Reserve Board, Survey of Consumer Finances 2004
* 71% of American employees live from paycheck to paycheck. American Payroll Association, "Getting Paid in America" Survey, 2008
Workplace Injury & Death Statistics
The raw statistics are always startling: In 2009, according to preliminary data from the Bureau of Labor Statistics, 4,340 workers were killed on the job—an average of 12 workers every day—and an estimated 50,000 died from occupational diseases. More than 4.1 million work-related injuries and illnesses were reported, but this number understates the problem. The true toll of job injuries is two to three times greater—about 8 million to12 million job injuries and illnesses each year. And the cost in dollars alone? The cost of job injuries and illnesses is enormous—estimated at $159 billion to $318 billion a year for direct and indirect costs of disabling injuries.
Chronic Pain Facts & Statistics
Chronic Pain Community Facts and Statistics:
Chronic pain affects an estimated 116 million American adults and costs the nation up to $635 billion each year in medical treatment and lost productivity. - Source: IOM - http://www.iom.edu/Reports/2011/Relieving-Pain-in-America-A-Blueprint-for-Transforming-Prevention-Care-Education-Research.aspx United States Department of Health and Human Services- Source: P.A.N.D.O.R.A.
Disability Facts & Statistics
Federal Fraud: Whistle Blower Hotline!
Report Medicare Fraud:
Please use this link to report any fraud. You may or may not remain anonymous depending upon your state laws. You may also need to testify.
Keep in mind that the image of workers submitting fraudulent claims is, for the most part, false! Studies show that only 1 to 2 percent of workers' compensation claims are fraudulant. However, there are still people out there that are abusing the system.
Insurance companies have shaped this stigma through decades of similar claims. Remember, fraud is not commited by workers only. You can also report your insurance company, employer, and any doctors or treatment centers with inflated claims. - http://www.stopmedicarefraud.gov/
Choose Your State
The National Association of Injured & Disabled Workers is a nationally recognized Nonpartisan 501 (c) (3) non-profit educational and humanitarian organization founded on first hand life experiences and dedicated to improving the quality of life of injured & disabled workers and their families by providing unlimited resources, support, guidance and grant-based financial aid to injured & disabled workers and their families suffering from the results of injury, illness, sickness, pain, disability and death! This mission is carried forward by:
Fighting & Eradicating Stigma
Our Core Values: To lead with diversity, integrity, reliability, innovation and purpose!
Welcome Members and Visitors:
The National Association of Injured & Disabled Workers NAIDW® is a nationally recognized 501 (c) (3) nonprofit charitable foundation that advocates on behalf of injured & disabled workers and their families.
NAIDW's purpose is to provide FREE unlimited resources, support, guidance and short-term financial assistance to injured & disabled workers and their families that suffer from the result of an injury, illness, chronic pain, disability and death. Best of all, an NAIDW® membership is absolutely free for all injured & disabled workers and their families. 100% of all donation funds are put directly to work for those who need it most.
Since 2009, NAIDW.org has been the official workers' rights & disability benefits website for all workers. We are proud to have served millions of workers and their families in their time of need, providing them with easy, online access to information and eligibility criteria for local, State and Federal benefit and assistance programs.
Our mission remains the same as it was when we began: reduce the time and difficulty of injured & disabled workers and their families searching for resources while increasing access to support and benefit information.
The site’s core function is the community support groups and forums, a tool that allows workers to interact with other injured & disabled workers as well as service providers, and industry professionals who are also dedicated to our cause.
Did you know that, every second, a worker is injured in the United States—a country where most families live paycheck to paycheck? In fact, 50% of all home foreclosures occur as a result of income loss after disability. Yet, Workers' Compensation benefits only pay 66% of your lost income, which might not be so bad if you are one of the lucky ones who's claim is not being disputed and denied! And if that wasen't bad enough, social security disability benefits only pay about 33% of your lost income. And as if that weren’t hard enough, these vital benefits are denied to injured & disabled workers over 60% of the time.
The raw statistics are always startling, In 2009, according to preliminary data from the Bureau of Labor Statistics, 4,340 workers were killed on the job—an average of 12 workers every day—and an estimated 50,000 died from occupational diseases. More than 4.1 million work-related injuries and illnesses were reported, but this number understates the problem. The true toll of job injuries is two to three times greater—about 8 million to 12 million job injuries and illnesses each year.
And the cost in dollars alone?
The cost of job injuries and illnesses is enormous—estimated at $159 billion to $318 billion a year for direct and indirect costs of disabling injuries.
Chronic pain affects an estimated 116 million American adults and costs the nation up to $635 billion each year in medical treatment and lost productivity.
|- Source: IOM - It is estimated that 20 MILLION AMERICANSare stricken by Neuroendocrineimmune Disorders. Worldwide the estimates can be staggering. Recently a demographics expert suggested that between 23-28 million individuals are now suffering with Chronic Fatigue Syndrome or ME worldwide.
- Source: P.A.N.D.O.R.A.
What’s more is that injury, illness, pain and disability doesn’t just affect income; it damages relationships within families and drains the joy from our lives. The physical and emotional effects of this stress and isolation lead to depression and mental illness. With no way to earn a living, and no support for our cause, how are we expected to survive?
The world looks down on people who have been injured or disabled, assuming that we are lazy, or taking advantage of the system. Insurance companies have shaped this stigma through decades of similar claims. As a result, injured or disabled people feel completely alone.
Join NAIDW and start the process of recovery. We know what you’re going through and what you need to pull through, because we are injured & disabled workers ourselves. Get the help and information you need to put the pieces of your life back together. Through the community of vital support and resources, you can take a step toward change.
Benefits of Free Membership:
The NAIDW Directory
Our professional directory offers quick access to service providers who are dedicated to helping injured & disabled workers and their families. And many providers offer discounted services up to 20% for NAIDW members.
The NAIDW National Discount Drug Card
NAIDW's National Drug Card, was created to help people with little or no prescription drug insurance to save money on their prescription drugs. This includes, but is not limited to, injured & disabled workers and their families, veterans, senior citizens, on fixed incomes and Medicare; self-employed business-people who have to pay their own medical costs; families; college students; and those who have recently lost their jobs and benefits and may be struggling financially.
Additionally, many people who have prescription benefits use our card to receive discounts on drugs not covered by their prescription plan (e.g. dermatology, elective procedures, weight loss, anti-smoking, and hormone therapy drugs).
Our Free Discount Prescription Card can save 10% - 85% on all FDA approved brand-name and generic drugs. The card can be used at over 58.000 pharmacies nationwide including:
CVS, WALGREENS, RITE-AID, WAL-MART, TARGET, KROGER, K-MART, PUBLIX, SAFEWAY, COSTCO, SAMS and many more including local independent pharmacies and regional chains.
NAIDW is proud to provide our FREE prescription drug card to millions of people across the country to help them reduce their healthcare costs. We hope this money savings card will benefit you, your family and friends.
If you are a injured or disabled worker or a family member, you know how difficult it is to find the help you need. The lack of resources and support can turn your life into a shell of what it once was. But you don’t have to fight this alone. We connect people who have experienced a injury, illness, pain, disability and death first hand. We understand what you’re going through: the frustration, fear, and hopelessness. But here, you will unite with a community of peers and professionals who have joined together to fight back. “
We believe our ideas can change the world, and we want to let other people know how they can join in and make all of our lives better.” – Jon A. Arbay, Executive Director & Founder of NAIDW®
Jon A. Arbay
Volunteer Executive Director
"No Workers' Left Behind"®
My co-worker lay in a hospital bed, probably dying. He collapsed in a heap the other day while at his desk. I’ve known and worked with this kind, gentle man for ten years, and his sense of humor was wry and hilarious. He always lifted my spirit and made a bad day tolerable.
He has so many medical problems it could fill a notebook. He took the bullet and came bouncing back every single time. You’d see him gone for months or weeks at a time than he’d be back at it. I asked him why he didn’t go on disability because he certainly would qualify but that man worked through his personal physical HELL to get his daughters through college. He was unselfish to a fault.
It’s Friday evening, and you’ve just come home from work either with a pink slip or too much pain to go back on Monday. You’re in full panic mode; how do I support my family, pay my mortgage, buy groceries? Most likely you will emotionally shut down and all the forces of nature will attack you all at once. Your pain level rises, you’ll strike out at those around you and your feet won’t be able to move.
Pain can prove costly for individuals already dealing with financial woes and problems at home, a new study has found.
According to research published in the August issue of Spine (2011;26:1402-1409), blacks, the working poor and people younger than 35 years old are more likely to suffer from financial problems and domestic issues after settling workers’ compensation claims for painful, on-the-job back injuries.