I think you are going too fast and there are other areas you should be concentrating on.
Firstly, your site is primarily for people with disabilities therefore you should ensure that the pages conform to the Web Accessibility Initiative Guildlines (WAI). This will ensure that your pages are viewable by the widest audience possible for example blind or partial sighted people.
Secondly, keep the content separate from the styling. Use CSS with the styling in a separate file.
Thirdly, lose the frame. I know it gives you the "sweet left hand frame" but it is easily to satisfy WAI without them. Just think of the web page as being made up of different areas (Header, left column, content column). For all your web pages the header and left column will be the same only the content will change). Keep a template file containing the header and left column and a place holder for the content then put the page content as required.
To use a database you need a server side scripting language to access the database to extract the required information and then form the html to be output. So you must understand not just databases but a scripting language as well. (The database is probably the easier of the two).
Instead, get a clear sense of the hierarchy of you site. So you have
Home > Service > News Items > News item n
Home > Service > Blog Entries > Blog entry n
Use a word processor table to reflect the hierarchy. Then build the content from that table. Manually at first, maybe with VBA later. Down the road you can move to a database and finally the scenario you first requested.
Step by step you might get there and your site will be better for it.
Best of luck with you endeavours.