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Published in NAIDW ABOUT US

The Advocator GroupOriginally posted on The Advocator Blog

"Fact: Every second, a worker in the U.S. becomes disabled. Then what?"

That is the question that Jon Arbay, Executive Director and founder of the National Association for Injured and Disabled Workers (NAIDW), found himself faced with after he suffered a disability that halted his career indefinitely.

Get Started


Here's how to use to HELP find the information, resources, and support you need for your injury, illness, pain or disability.

Start the steps to reclaim your life!



NAIDW Chat Nights – Every Monday, Wednesday, Friday and Saturday night 10:00 to 12:00 PM Eastern Standard Time!


NAIDW Day Chat – Every Tuesday and Thursday 1:00 to 3:00 PM Eastern Standard Time!


NAIDW Life Coaching - Every Wednesday at 1:00 to 1:30 PM Eastern Standard Time. The purpose of this discussion is for members to create an agenda based on topics that are relevant and useful now!


Resource Center for links to Local, State, Federal Government and International Departments.


Directory of Personal Injury, Workers' Compensation & Social Security Disability Attorneys, Doctors, and much more!


Get Financial Assistance through grants made available through NAIDW.


Get answers to Frequently Asked Questions.


Search the Glossary to find the meaning behind commonly used terms


Stay up to date with news about Injured Workers, Social Security Disability, and Workers' Compensation, Disability and much more!


The most comprehensive online directory for Injured & Disabled Workers! - We work with all of our sponsors in order for you to receive a mimimum of 20% in discounts for their services. Please make sure to mention NAIDW.

Getting Started Work Injuries

If you have been injured, follow these steps carefully!

  1. Contact your employer immediately! (If Work Related)
  2. Seek medical attention, even if you don’t think you are injured.
  3. Follow up with doctors and specialists. Don’t be afraid to ask questions. Remember that they are there to help you. Understanding your injury is vitally important.
  4. Get a second opinion. We are programmed not to question the opinion of doctors. However, a second opinion can make the difference between life and death.
  5. Seek legal counsel. Remember to always ask questions and get the information you need to be an active participant in your case. It is always important to assert yourself and be aware of the process.
  6. STOP spending and start saving. I say this with an extreme emphasis and I understand the difficulty. You have worked long and hard for your current lifestyle and giving it up seems out of the question. In the beginning, it will probably feel like things will remain the same, especially when you are being financially compensated. Yet the harsh reality is that the insurance company can terminate your benefits at any point. It’s important that you are prepared for them to do so because your medical and monetary benefits can be gone when you least expect it.
  7. Apply for Social Security Disability. Take this action if you believe that you will be out of work for more than one continuous year. This determination is only made by you and your doctor. However, it’s important you recognize that applying for Social Security Disability is a long and tedious process, and it’s always best to get a head start.
  8. Start talking to people. Friends and family will become vitally important. This is a very lonely process in which you need to stay mentally sharp and uncluttered. However, never discuss specific details about your case with anyone other than to your attorney, doctors, and immediate family.
  9. Seek mental health care if needed. Again, you need to keep thinking positive and moving forward.
  10. Stay strong, stay focused, don’t stand down, and do not allow yourself be taken advantage of—ever!

Getting Started With illness

If you have a chronic illness, follow these steps carefully!

Illnesses and Pain can range from Reflex Sympathetic Dystrophy to diabetes, multiple sclerosis and fibromyalgia, and painful conditions like back pain and migraines.


Getting Started With Pain


If you have a pain disorder, follow these steps carefully!

Illnesses and Pain can range from Reflex Sympathetic Dystrophy to diabetes, multiple sclerosis and fibromyalgia, and painful conditions like back pain and migraines.


Getting Started With Disability


If you have a disability, follow these steps carefully!



Getting Started Veterans Benefits




Financial Stability "7 Steps to Financial Stability for Injured & Disabled Workers"


1. Knowing for sure it’s possible! Understand that you can be financially stable if it's a priority for you (and it should be). Realize that any roadblocks you have about money are correctable. Others have done it and so can you.

2. Re-orient your thinking around becoming financially stable! This might require you to make substantial changes like cutting expenses by 25-40% and using the extra money tocreate a nest egg to sustain you until you are healthy. Invest in your own skills training in order toincrease your earnings. Make the emotional and self-worth shifts that are required to experience abundance.

3. Get yourself fully informed about the topic of finances! Read a book or find a financial planner who will help you understand your taxes, what compounding interest is, what good investments are, how much you’ll need when you retire etc. Start hanging around people you like who already have money and learn from them. You don’t have to reinvent the wheel here folks.

4. Create income where non existed! Increase fees, decrease expenses, be more productive, or find a new career entirely. Get into a field that offers opportunity, demand and growth (and pays well). Now might be the perfect time to pursue your dream job.

5. Build a cash base! There is a psychological feeling of security that comes with having more than you need. Create a plan to achieve this within 10 years, or sooner. Be realistic yet aggressive. Properly set up structures, supports and follow through will make having a cash reserve possible.

6. Protect what you have! Get plenty of insurance: medical, life, disability, homeowners/renters, business, and liability. Invest in very safe investments; no more than 10% in speculative investments. Remember, that without the “fear of loss”you’ll move forward naturally.

7. Start living well and include rewarding yourself periodically!

You don't have to wait to start enjoying your financial independence efforts; reward yourself now and again to keep it fun and stay motivated. In the meanwhile, spend money on truly valuable things like fresh food, a good quality mattress, clothingthat fits and makes you look your best.

Published in NAIDW ABOUT US


Donate Today!

Thank you for giving injured & disabled workers and their families with serious medical and financial conditions the opportunity to reclaim their lives. Your gift helps us bring these life-changing programs to injured & disabled and their families who need it most.

Donate NOW and help those who suffer from injury, illness, pain, disability and death. With your support we can HELP improve the lives of injured & disabled workers and their families.

Your commitment makes it possible for our unlimited resources, support, guidance, and grants to help those among us who are in need right now. On behalf of all of our members, sponsors, friends and families, thank you for your support!

NAIDW depends 100% on public and private donations. We currently receive no local, state, or federal funds, and over 90% of unrestricted donations go to program services. Always, 100% of designated gifts are used as directed.

NOTE: No goods or services should be provided in exchange of these contributions!

No Worker Left Behind”™

Online Donations

One time donation:
$10 Recurring Donation:
$25 Recurring Donation:
$100 Recurring Donation:


Corporate Partnership/Sponsorship

To Become A Fiscal Corporate Sponsor: Click Here

Use a credit card, debit card or checking account to make a secure donation through our online form.

By Mail

Make your check payable to "NAIDW" and mail to: NAIDW P.O. Box 66 Fox Lake, IL 60020 Please make sure to write your phone number and email address on all checks. Also please include your business card or company letterhead with logo!

Click Here to download a tax deductible receipt.

By Phone

Call Toll-Free at 888.788.NAIDW (6243) to make a gift by phone. We accept Visa, MasterCard, American Express and Discover. Once again, Thank you for your generous contribution.

Click Here to download a tax deductible receipt.

In-Kind Donations

NAIDW deeply relies upon In-Kind Contributions. This includes all types of outlets such as: Media Coverage, Advertising, Business Related Services, etc. Please contact us if you would like to donate your services. 888.788.NAIDW(6243)

If you are interested in donating: Cars, Boats, Campers/RV's, Land, Private Trusts, Securitys, Stocks, Bonds, Mutual Funds, Annuitys, etc. Please contact us directly so that we may assist you with this process. 888.788.NAIDW(6243)

Donate your time! Volunteering is a great way to support our cause! - Click here to volunteer.

Click on the image below to donate your vehicle.

Car Donation


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Published in NAIDW ABOUT US

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, 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.

The Realities of Injury, illness, chronic pain, disability and death!

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.

Disability Community Facts and Statistics

  • 650+ million people living with disabilities (“PWD”) worldwide!
  • 50+ million PWDs living in the US alone!

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 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 Community Facts & 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 -  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:

  • You'll get our bi-monthly NAIDW publication, the INJURED INSIDER - an online e-action newsletter sent right to your computer with critical information about issues you need to know about and act upon.
  • You'll have access to a wide variety of benefits exclusive member only discounts on products and services.
  • You'll be eligible to apply for grants for financial assistance.
  • Plus, you'll get access to the NAIDW Community Online - an interactive network of other injured and disabled members that share your experience:
    • Connect with other members, Join Groups, share conversations...
    • Full powered discussion forums built directly into groups that allow for more conventional in-depth conversations.
    • Private messaging allowing members to talk to each other directly, and in private.
    • Global, personal and group activity streams with threaded commenting, and direct posting.
  • Access to the entire NAIDW website
  • Extensive directory of professionals that can help you get back on track
  • Clear and accurate information on topics directly related to injured & disabled workers
  • Discounted services from quality professionals

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®

Warmest Regards,

Jon A. Arbay

Volunteer Executive Director 

"No Workers' Left Behind"®

Published in NAIDW ABOUT US

If you could walk in my shoes, You would see, I paid my dues, I worked hard my whole life through, Even though, I no longer do.  

You would see how hard I tried. You would see how hard I cried. Can't you see my condition is real, Even though you can't see what I feel.   Your support could lift me up. That would be amazing luck. My disability; you can't see, But I need you to believe in me.  

Trust me when I say, A friend could make my day. Please lend a helping hand, With your support, I can stand. A little goes along way. A good friend won't turn away. A little kind word can lift my soul. A little kind word can make me whole.  

Written By: Manuela McPhee on May 23, 2009

Published in Members

Chronic PainBy Charles

It is Tuesday morning at 5:02am. Saturday I went out for a drive to take pictures, hoping to get some shots of black bears. I know they would not be out posing and ready for me, but I was not able to find any. I did get some nice pictures of the Big South Fork River Gorge. I spent most of the day out, about 13 hours of driving, some walking, and reading about the Big South Fork Recreational area. Saturday night when I was home, I was in tremendous pain. I took at this time my third breakthrough pain pill.

Published in Members

Chronic PainBy Charles.

Over this past week since my last post (my first post), I have finally decide to go on a day trip. Saturday morning I woke up at about nine o'clock in the morning and left here at 10 AM for a day of driving and touring. The first place I went was Falcon Crest Mansion in McMinnville Tennessee. It is a mansion that was built by falconer and I am not sure about the spelling. It was said that this mansion was built to bribe his wife into moving out and did boonies away from town.

Published in Members

Chronic PainBy Charles

Chronic Pain is a full time job. Going to bed and waking up in pain is very difficult. Learning how to deal with this is hard, and accepting the fate that you are in now is mind boggling. How does one learn to cope? How does one learn to deal? 

I have been dealing with chronic pain now for 2 years and 4 months. I have yet learned to cope. I do know the times that I have learned to accept, is the days I cry. It’s like mourning your past life in order to be able to prepare for your current one. It’s a long rough road to this point in life of chronic pain.

Published in Members
Share Your StoryBy Stacy Rustia Lambe

Allow me to introduce myself: I am the poor you have never met and have no first-hand knowledge of. You are ABSOLUTELY WRONG in your statement that my income is going up, and I have the tax returns to prove it. Costs keep rising but my income has not in over 3 years. I live on Social Security and, if you get your way, it’ll be gone altogether. I am one of the lazy, fraudulent cheats commonly known as young disabled. Me and my doctors have told the Federal Govt. that I am a cancer patient/amputee and cannot work and never will again, and those chumps bought it and you are paying my exorbitant benefits AND medical expenses. I sit back (in my sick bed) and laugh while you are foolishly being a productive citizen, just like I used to be.

Published in Members

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NAIDW Int'l: PO Box 66 Fox Lake, IL 60020

Telephone: 888.788.NAIDW(6243)

Fax: 847.629.5149


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