Despite having three perfect reasons not to work, a 73-year-old disabled woman is choosing to spend $500 a fortnight on taxis to get to work rather than draw a pension.

Brenda Rawlins has cerebral palsy, uses a walking frame, and can’t catch public transport due to her walking difficulties. But none of that stops her arriving to work on time, forking out the expensive cost of a regular taxi driver who picks her up every day for the commute into central Melbourne.

"I love to work," Ms Rawlins told A Current Affair .

"I'm a worker, not a bludger.”

From her first job at 18, Ms Rawlins has never been unemployed.

Currently, she works 38 hours a week transcribing evidence from legal proceedings at the Victorian Supreme and County Courts.

A Victorian subsidy of 50 percent on her taxi fares helps, but it's not enough - and one-third of her pay is spent on travel.

She believes the subsidy should be raised to 75 percent.

"We'd be saving taxpayers money, because we pay tax, we do not collect a pension and we keep working," Ms Rawlins said.

"It's easier to subsidise someone who's helping themselves than someone who is fully able to do so and doesn't want to."

Despite the views of his regular customer, Ms Rawlins’ taxi driver Lou says she deserves more help.

“Whether it's financial or whether it's a free resource or whether they can work from home.