The two main negatives of garbage disposals are they are a safety hazard in homes with children, and they frequently encounter blockage issues. While they might be annoying to fix and monitor, garbage disposals can significantly lower your trash use and are a great way to dispose of organic waste. While there are negatives, the vast majority of homeowners acknowledge the positives are enough to install a disposal in their home. 

Your garbage disposal is not draining because it might have a clog due to food waste, a foreign object, grease, oil, fat, or it may have a broken motor. When water doesn't flush out of the disposal, that's a key sign that your disposal has a clog or needs repair. 

Your garbage disposal will only affect the health of your septic tank if you’re using it too frequently, or filling it with organic waste that doesn’t fully break down. If the tank fills up with too many solids, the bacteria won’t have enough time to consume it before more is added, which can lead to an overflow in the drain field. Your tank will need to be pumped more frequently with excessive or improper garbage disposal use.

Whether it's worth repairing your garbage disposal depends on its age and the specific problem. Generally, if the unit is eight years old or younger, repair is a good option. For minor issues like a bad seal or a simple jam, a repair can be inexpensive, sometimes under $10. However, if the motor is broken (a repair that can cost $150 or more) or the unit is getting old, it's often more cost-effective to replace the entire disposal.