“NAIDWfundingMe™ application allows members to create their online donation projects in their member profiles, share it with friends and family through Facebook, Twitter and email, and begin collecting & raising money online and in real-time!”
The NAIDWfundingMe™ application is a powerful new “crowd funding” tool that enables our members to create fundraising projects; accept PayPal donations; and keep donors updated on the project’s progress directly from their profile page.
Two out of three Americans are overweight, and it’s affecting their paychecks.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) requires most group health plans to provide a temporary continuation of group health coverage that otherwise might be terminated. COBRA requires continuation coverage to be offered to covered employees, their spouses, and their dependent children when group health coverage would otherwise be lost due to certain specific events. Those events include the death of a covered employee, termination or reduction in the hours of a covered employee’s employment for reasons other than gross misconduct, divorce, or legal separation from a covered employee, a covered employee’s becoming entitled to Medicare, and a child’s loss of dependent status (and therefore coverage) under the plan.
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.
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
By: Nancy Mann Jackson
How it works: Established by the Social Security Act of 1965, Medicare is a social insurance program that provides health insurance coverage to people who are 65 and over and others who meet special criteria (such as having a permanent physical disability). The basic Medicare plan pays up to 80 percent of medical costs; by adding a Medicare Advantage plan, individuals over 65 can receive more complete benefits.
By: The Advocator Group
Just last week, The Advocator Group released an analysis of the impact of the debt ceiling impasse on the timely payment of Social Security benefits. The analysis highlighted the inner workings of the Social Security Trust Funds, including how funds are invested and redeemed for cash that is used to pay benefits.