play on phrase "working hard"; meaning one who works hard but stupidly, and thus gets unsatisfying results.
"I bust my ass and only make thirty-two-thousand bucks a year."
"You're working tard."
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An unemployed person who seemingly has average or more intelligence but is completely useless and untrainable at all types of jobs/occupations or anything work related. Having absolutely no job skills whatsoever.
Joe: "Hey man, why do you let that freeloading loser stay with you? Tell him to get his lazy ass out there and get a job."
Adam: "Nah dude. Tommy's cool... He's just a bit work-tarded is all."