We consider how a physical disability alters patterns of time use. A disability may raise the time cost of all activities; of some—making them differentially less worth doing; or it may make switching activities more costly. The first yields no predictions about time use, but the latter two possibilities both predict fewer activities will be undertaken, with more time spent on each. These explanations describe our findings based on non-working ATUS 2008-22 respondents ages 70+, 32% of whom report a disability. Very similar results are found using Italian and Spanish data, which also show that having a disability leads to much greater feelings of being rushed for time. A mobility/physical disability leads an otherwise identical person to engage in over 10 percent fewer activities on a typical day. The lost variety and the additional time pressure represent extra costs and additional burdens of disabilities, the former of which implies a loss of nearly $120,00 per year.