Frames
There are a few things to remember to help make frames accessible. First, frames consist of separate web pages with each frame having its own HTML file, so most screen readers treat the frames as separate pages. Each frame should have its own descriptive title that identifies the frame and its content. It is also important to use a no-frames tag that contains all the information that exists in the frames, thus allowing users to get the information they need or want without having to navigate separate frames. The rules for using in-line or I frames are the same as for using general frames, but the designer must keep in mind that viewing I frames (as well as frames in general) with a screen reader may not be seamless.

In a typical browser, a page with frames appears to be a single page.

A screen reader interprets the frames as three separate pages.
Example
Links
Creating Accessible
Frames
(http://www.webaim.org/techniques/frames)
