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I could no longer manage physical work. Luckily I was a manager but then that caused an enormous amount of pain due to stress. Temperature intolerance makes me sweat profusely precisely at 74F as in a meeting or hot tool shop. Perspiration on my back sent pain through the roof. Sleep issues made me fall asleep at the wheel or even right in the middle of a conversation. Eventually I was about to be fired and knew it so I went out on disability before getting fired and losing all benefits. Depending on the severity of the TM and your personal finances, most folks continue working I think. I doubt those unfortunate enough to wind up wheel chair bound were able to continue working. Surely you will want to try to keep working but if you can manage it, I highly recommend retiring. The hard part for me was giving up using all the knowledge I acquired during my previous 30 years. Oh yeah and it sucks living off a fraction of previous income and Medicare will get you the lowest standard of care. Meds will cost you a small fortune even with Medicare part B. I was spending nearly $750/mo just for meds.