The disabled are not necessarily unemployable, although about a quarter of them report they are completely prevented from working. A disabled person's decision to work or not depends on a variety of psychological, social and economic, as well as health, factors. This paper asks: Do Canadian disability-related insurance schemes discourage work? It models and measures the impact of disability benefits on the work choice of disabled prime-age males. It finds that they amount to a significant work disincentive. But better yet, they likely save many disabled persons from unsuitable and/or undesirable jobs.