INTRODUCTION: Half of surgical patients report financial toxicity, which results from direct out-of-pocket (OOP) cost and indirect loss of income. This study aimed to assess the economic impact of common surgical procedures on patient OOP spending and work loss among working-age adults. METHODS: We used the 2017 to 2019 MarketScan Database to identify adults ages 19 to 64 years who underwent 1 of 20 common surgical procedures. These data were linked to the Health Productivity and Management (HPM) Database, which reports work absence and disability for a subset of employers. Outcomes included spending after index operation, disability, and return to work. Multivariable regression models adjusted for patient demographics and clinical variables. To control for secular trends, we used 4:1 propensity score matching using patient and employment variables. RESULTS: We identified 135,480 patients and 541,920 matched controls. Among this cohort, 25% of patients had a nonelective presentation and 12% had an ICU admission. Spending, missed work, and disability for patients linked to the HPM database are shown in the Table. Nonelective presentation was associated with higher OOP spending and more short-term disability (p < 0.05). Patients requiring ICU stay had higher OOP spending and more missed days of work and disability (p < 0.05). Table. - Six Month Out-of-Pocket Spending and Missed Work after Common Surgical Procedures Variable Surgical patients Matched controls Difference p Value Mean OOP spending (median, IQR) $3,487 ($2,020, $749-3,597) $636 ($12, $0-422) $2,851 <0.001 Any missed work 62.1% 32.5% 29.6% <0.001 Mean total days missed (median, IQR) 23 (15,4-36) 3 (2, 0-4) 20 <0.001 Any short-term disability 36.2% 2.7% 33.5% <0.001 Mean total days of short-term disability (median, SD) 41 (32, 19-56) 35 (15, 0-54) 6 <0.001 Surgical cohorts include common cardiac, vascular, general, and orthopedic procedures. OOP spending represents coinsurance, copays, and deductibles per patient. Missed work and short-term disability outcomes are only for those linked to the HPM database and employed at time of index admission. CONCLUSION: Patients recovering from operation face high OOP payments, miss over a month of work on average, and one in three receive short-term disability benefits. These findings demonstrate the double burden of medical expense and productivity loss and can inform policies for improved financial risk protection after operation.