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Wednesday, 15 September 2010 14:21

About Us | NAIDW

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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"®

Wednesday, 15 September 2010 14:20


Written by
From Advocate Capital, Inc. Law Firm Financing Blog I was recently in San Diego at the Loews Coronado Bay Resort attending the annual convention for the Workers’ Injury Law and Advocacy Group.  At the conference, I met Jon Arbay.  He is himself a permanently disabled American who has turned his misfortune into a positive for thousands of other injured workers all over America.  In a very short period of time, Jon has created this vibrant and effective organization that provides injured & disabled workers and their families with the resources, support, and guidance they need to reclaim their lives. The mission of the National Association of Injured & Disabled Workers is to provide short-term financial assistance to injured & disabled workers and their families suffering from the results of injury, illness, pain, or disability.  I congratulate Jon in his efforts to make a positive difference in the lives of others.  Great job! Michael J. Swanson President and Chief Executive Officer
Tuesday, 09 August 2011 10:46

SSA No Longer Allows Subsequent Applications

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 By: The Advocator Group Background: 

In 1999, the Social Security Administration (SSA) adopted a procedure that allowed it to process a subsequent claim for Social Security Disability Insurance (SSDI) benefits while a claimant's prior SSDI claim was still pending at the Appeals Council (AC) level of the administrative review process. Under this procedure, the subsequent application was sent to the disability determination services (DDS) for development and adjudication and the claim progressed through the administrative appeals process for a second time.

Over recent years, SSA has noticed an increase in the number of subsequent SSDI claims, resulting in conflicting decisions, improper payments, increased administrative costs and unnecessary workloads resulting in lengthy backlogs at the Appeals Council.

Social Security Ruling 11-1p; Titles II and XVI: Procedures for Handling Requests To File Subsequent Applications for Disability Benefits

Because of the problems described above, as well as the skyrocketing number of initial disability claims over the past several years, SSA is changing its policy for handling subsequent applications for disability claims of the same title and type. The policy change was communicated on July 28, 2011 in the Federal Register (Federal Register/Vol. 76, No. 145/Thursday, July 28, 2011/Notices).

Under the new procedures, generally a claimant will be prohibited from having two claims for the same type of benefits pending concurrently. Instead, in the wake of a Hearing Level denial, the claimant will have the opportunity to choose between (A) pursuing his/her administrative review rights on the pending disability claim, i.e., appealing to the Appeals Council, or (B) declining to pursue further administrative review and instead filing a new initial application with a new alleged onset date the day after the hearing denial.

Should a claimant choose to pursue the administrative appeal on the pending claim, SSA will not accept a subsequent concurrent application for benefits under the same title and for the same type of benefits, however, it will permit the filing of a new disability claim after the Appeals Council completes its action on the request for review of the pending claim.


While the policy change will have a negative impact on claimants in some instances, it will also result in several positive outcomes, including encouragement of meaningful discussions between SSDI claimants and their representatives after receipt of a Hearing Level denial, as well as increased emphasis on screening cases to ensure the best approach prior to filing the appeal or new initial application.  

Saturday, 18 June 2011 12:55

How to Ask for Help

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How many times have you said to a friend or relative in need, "Let me know if there's anything I can do to help," and when you didn't hear back, fail to follow-up? I've lost count of the number of times I did just that—fail to follow-up when I didn't hear back from someone in need, even though I would have been happy to help in any way I could.
Toni is the author of the Nautilus Gold Medal winning How to Be Sick: A Buddhist-Inspired Guide for the Chronically Ill and their Caregivers. She can be found online at



Yet, despite this pattern in my own behavior, when I became chronically ill and didn't get back to people who offered to help, I decided that, because they failed to follow up, their offers weren't sincere. I learned otherwise quite by chance. A friend came to visit and showed me an exquisite handmade dress she'd just bought for her granddaughter at a local boutique. When I told her how much I loved it, she asked if I'd like to get one for my granddaughter. I said "sure," and before I could get "but I'm not able to go shopping" out of my mouth, she was out the door. She returned shortly with the dress in two sizes for me to choose from. I picked one, wrote her a check and, when she left to go home, she took the one I didn't want back to the boutique. That made three trips for her to the same store that day. When I got sick, was she one of the people who had said, "Let me know if there's anything I can do to help"? Yes. But I'd never asked her to do anything. On that day, however, I saw in her face that going to get that dress was a gift from me to her. She can't restore my health, but she can buy a dress for me to give to my granddaughter, and doing it made her feel terrific. Here's what I've learned about people who offer to help: 1. They're sincere in their offer: they mean it. 2. The responsibility falls on me, not on them, to follow-up. 3. The best way to take them up on their offer is to give them a specific task to do. Numbers 1 and 2 are consistent with my experience when I was in a position to help others: I meant it but I rarely followed-up, sometimes because I got distracted and sometimes because I thought I might be bothering them. As for number 3, friends and relatives aren't mind readers. We need to tell them what to do. This is what I learned from the "dress episode" with my friend. And, the more specific the request, the better. "Can you help with my laundry every other week?" is more likely to be successful as a request than, "Can you help with my laundry sometimes?" even though your friend or relative is likely to say "yes" to both requests. The use of the word "sometimes" in the second request is likely to be a "set-up" for that lack of follow-up that we'll erroneously take as lack of sincerity on their part. Many of us don't like to ask for help. We may have been taught that it's a sign of weakness, so we cling to the notion, "I can do everything myself," even if it's no longer the case.

I suggest you practice asking for help. Think of it as an experiment: 1. Make a list of what you need help with: particular errands, the laundry, some cooking, walking the dog, changing a light bulb, maybe even a shoulder to cry on. 2. Write down the names of friends and relatives who have offered to help, even if their offer was made quite awhile ago. 3. Match people with tasks based on their interests, their strengths, their time flexibility and your comfort level with them, given the intimacy of the particular task. A young neighbor may enjoy cooking for you once a week. I read about a woman who gets cooking help from a 10 year-old neighbor who has earned her Girl Scout cooking badge. We have a 12 year-old dog walker in our neighborhood. 4. Pick just one thing off the list and contact the person you've chosen. Be direct—no passive-aggressive pleas for help allowed! So, instead of saying, "If I only knew someone who could pick up a prescription for me," ask outright: "Can you pick up a prescription for me? I'm not well enough to go out."
The odds are high that the person you've called or emailed will be thrilled to be asked to help. Remember: it's your gift to them; it gives them a way to not feel helpless in the face of your health challenges. If you strike out, take a deep breath and try again. Even million dollar baseball players get more than one strike! Two final thughts. First, it's odd that we think we're placing a burden on people if we ask them to do something for us even though, if we did the very same thing for them, we wouldn't consider it a burden. On the contrary, it would make us feel good to know our friend respects us enough to seek our help. Second, if you feel unworthy of being helped by others, remind yourself of all the times when people were helpful to you. Obviously, they didn't think you were unworthy. Use those memories as a starting point for changing your self-critical thinking. © 2011 Toni Bernhard Toni is the author of the Nautilus Gold Medal winning How to Be Sick: A Buddhist-Inspired Guide for the Chronically Ill and their Caregivers. She can be found online at * This article was previously published in Psychology Today  
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