Benefits Counseling

The Work Without Limits Benefits Counseling program specializes in assisting individuals to understand how earned income (e.g., from work and self-employment) and unearned income (e.g., gifts, inheritances, lottery winnings) may affect public benefits, such as:

  • Supplemental Security Income (SSI)
  • Social Security Disability Insurance (SSDI)
  • Medicaid and Medicare
  • Supplemental Nutrition Assistance Program (SNAP)
  • Temporary Assistance for Needy Families (TANF)
  • Subsidized Housing
  • Emergency Aid to Elderly, Disabled and Children (EAEDC)
  • VA Benefits

Work Without Limits currently provides two no-cost benefits counseling services for Social Security beneficiaries receiving Supplemental Security Income (SSI) and/or Social Security Disability Insurance (SSDI):

Employment Network

The Work Without Limits EN is part of the Social Security Ticket to Work program and offers on-going benefits counseling.

This service is for SSI/SSDI beneficiaries who have a:

  • short-term goal (3-12 months) of earning $970/month or more, or
  • long-term goal (3-5 years) of earning $1,350/month or more, or
  • goal of increased earnings

Our EN also provides the administrative functions that allow community-based organizations and state agencies to access payments through the Social Security Ticket to Work program.

Territory: Nationwide



For more information visit our
Employment Network page.
Work Incentives Planning and Assistance

Work Without Limits provides benefits counseling services through a Social Security WIPA grant.

This service is for SSI/SSDI beneficiaries who are either:

  • Working
  • Have a job offer pending
  • Actively seeking employment

Exceptions (even if not actively pursuing work)

  • Veterans
  • Youth, ages 14 - 25


  • Massachusetts Counties:  Middlesex, Worcester, Franklin, Hampshire, Hampden, and Berkshire
  • New York Counties: Albany, Columbia, Greene, Rensselaer, Schenectady, Schoharie and Washington
For more information visit our
WIPA page.

For SSI/SSDI beneficiaries who are just starting to think about pursuing employment or have a general question about Social Security disability benefits, contact:

Social Security Ticket To Work
Toll-Free Help Line:

Monday-Friday: 8:00 a.m. – 8:00 p.m.

Other Work Without Limits Benefits Counseling Initiatives

Creatives Rebuild New York

Creatives Rebuild New York (CRNY), a workforce initiative for artists across New York State, provides artists with employment opportunities and guaranteed income to mitigate the devastating economic impact of the COVID-19 pandemic.

Learn about Work Without Limits partnership with CRNY.

If you are a program or organization who could benefit from Work Without Limits Benefits Counseling services, please contact Work Without Limits director Kathy Petkauskos.

Customer Testimonials

“I referred two clients to the service, both were able to make an informed decision about their employment situation. One decided to go for the new higher paying job and one decided to remain in his current employment situation. In both instances the client was empowered to make that decision without reservation which is ideal in a person centered planning model.”

- Michael Flynn, The Plus Company

"I was so happy to have clear information from a patient and knowledgeable representative!"

"My benefits specialist provided accurate and timely information in a friendly and respectful manner. I would have no hesitation calling again for support!"

"My benefits specialist has made it possible for me to be confident going back to work. I know that I can contact Work Without Limits at any time for assistance with my benefits questions."

"I'm grateful for the help from Work Without Limits. My benefits specialist calmed my anxiety and helped me better understand my responsibilities and benefits."

"This should be mandatory for all disabled veterans to go through. It was very helpful and informative."

"This program should be a funded mandate!"

This web page was developed at U.S. taxpayer expense and is funded through a Social Security cooperative agreement. Although Social Security reviewed this document for accuracy, it does not constitute an official Social Security communication.