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The purpose of this piece is not to make fun of those whose comments are off the mark; most people have good intentions. I've written it partly because I hope it will make those of us with health difficulties feel less alone and partly because I hope it will help others understand how to communicate with us better. Each of the following comments has been made to me at least once since I became ill in 2001.

Published in Chronic Pain


Chronic conditions have become the norm in the workplace and, according to the World Health Organization, chronic disease is expected to account for 89% of all deaths in Canada. But what can plan sponsors do to keep employees healthy and engaged?

Published in Chronic Pain

Toni It’s that time of year. The media is filled with stories about people traveling to be with loved-ones. Holiday decorations and yummy recipes abound. But for many people, the holidays are a difficult time of year. This piece is for those of you who face isolation during the holidays, either because you’re unable to be with others at all due to health or financial limitations (which often go hand in hand), or because your participation in those gatherings is severely limited by your health difficulties. I fall into each category, depending on the holiday in question.

Published in Mental Health

Chronic Neck PainThough chronic pain has become a more medically-recognized condition, whether as a complication of another diagnosis or an unexplained phenomenon existing by itself, one frontier remains: How do people with chronic pain and their partners maintain a healthy, exciting sex life?

Published in Chronic Pain
Gender and Wage Graph


Two out of three Americans are overweight, and it’s affecting their paychecks.

Published in Health & Nutrition

cobra_new1About COBRA

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, 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

Toni BernhardWhen someone asks me how I'm doing, I've got my glass-half-full and my glass-half-empty answers. My glass-half-full answer is that I'm now able to be up and about for several hours in the morning and then—usually—again in the afternoon.

Published in Mental Health

 Toni BernhardIn April, NPR ran a story titled, "The Slow Internet Movement." It reported that hipster cities like Portland, Oregon are sprouting Internet cafés that only offer dial-up access to the web. These cafés give customers, "Slow pours and slow Internet. Here, you can order your coffee and spend four hours checking your email, all for .99 an hour." "Wow," I thought." That's just my speed!" (No pun intended.) But the story didn't just run in April. It ran on April 1st and was NPR's little April Fools joke at the expense of gullible people like me.

Published in Mental Health

Tony BernhardThe last time I was in New York City was August, 1992. I took my then-teenaged daughter, Mara, to see The Big Apple. Right now, my husband, Tony, is in NYC with Mara's own ten year-old daughter—our granddaughter, Malia. Tony and Malia are doing the same things that Mara and I did 19 years ago. They're taking in the sights. They're going to Broadway shows. They're riding the subway. They're walking all over Manhattan. Mara and I saw Miss Saigon and The Secret Garden. Tony and Malia are seeing Wicked and Billy Elliot. Truth be told, I've struggled with my inability to accompany them on this trip. But I can't go. I'm too sick to travel six hours to visit Mara and her family in Los Angeles, so New York is definitely out of my reach at this moment in my life.

Published in Mental Health
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Telephone: 888.788.NAIDW(6243)

Fax: 847.629.5149


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