The mental and physical health benefits of working are well documented, as are the health risks of being out of work. In fact, the negative health consequences of worklessness are substantially worse than a number of other well-recognized health risks. Why, then, does there remain an epidemic of needless worklessness in this country, and why is so little public attention directed at it? This talk will describe the disability epidemic as a health crisis, outline the systemic causes for that crisis, and propose a simple health-risk model for combatting it.