Hi, My personal opinion is that when someone says: 'I have no choice but to work' they mean that they have financial obligations and still have the physical and mental capacity to work even if they have to make some sacrifices (ie cutting down on social life, etc.). If our health deteriorates too much then there comes a time when 'I have no choice but to work' has to be reassessed and the person has to accept to loose financial benefits and many non financial benefits. Most of the time our health declines slowly, as opposed to someone who has a car accident and is made disabled overnight. So for some time, maybe years we can push our body, but for some of us the invevitable is there right in front of us one day or another. Even after years of not being able to work we still feel guilty because our society values our worth or identity on our job or accomplishment. So it's a touchy subject for those of us who would to love to work, earn money and have a life or have their life back.