Work Without Limits Benefits Counseling assists individuals with disabilities to understand how work earnings or wage increases affect eligibility for public benefits, such as SSI, SSDI, Medicaid, and/or Medicare.

Work Without Limits Benefits Counseling provides:

  • Information on how earnings will affect:
    • Cash benefits (SSI/SSDI)
    • Health insurance (MassHealth/Medicare)
    • Other public benefits (Housing, SNAP, etc.)
  • One-on-one counseling
  • Trainings for consumers and providers

If you are looking for work or are working

  • Work Without Limits 877-YES-WORK (877-937-9675).

If you’re not working, but have general questions

Benefits Counseling: Get Services

If you are in need of benefits counseling in Massachusetts, there are two programs to assist you in understanding how work earnings may impact Social Security and other public benefits. The two programs are Work Without Limits Benefits Counseling Services and Project IMPACT.

Services include: One-on-one counseling, Benefits Summary and Analysis, Action plan, Follow-up Contact, Resources, and Problem Resolution

Program Service Areas

Benefits Counseling Coverage


Our team of certified Community Work Incentives Coordinators serve Massachusetts residents in Berkshire, Franklin, Hampden, Hampshire, Middlesex and Worcester counties. We also provide benefits counseling to New York residents in Albany, Columbia, Greene, Rensselaer, Schenectady, Schoharie, and Washington counties. For a list of all the towns covered click here.

If you are a resident of Massachusetts counties: Bristol, Barnstable, Dukes, Essex, Nantucket, Norfolk, Plymouth, and Suffolk, contact Project IMPACT at 1-800-734-7475.

Make a Referral


MA counties covered: Berkshire, Franklin, Hampden, Hampshire, Middlesex, and Worcester. See list of all the towns covered.

MA counties covered: Bristol, Barnstable, Dukes, Essex, Nantucket, Norfolk, Plymouth, and Suffolk.


NY counties covered: Albany, Columbia, Greene, Rensselaer, Schenectady, Schoharie and Washington. See list of all the towns covered.

Frequently Asked Questions

If you are receiving Social Security Disability Insurance (SSDI) and/or Supplemental Security Income (SSI), you probably have wondered the following when thinking about work:

What are Social Security’s disability programs?

How can I verify my benefits?

How can work impact my cash benefits and how can work incentives help me?
SSI Benefits and Related Work Incentives
SSDI Benefits and Related Work Incentives

Can I work and keep my health insurance?
If you get SSI/MassHealth or if you get SSDI/Medicare

Can I get my benefits back if my case closes?

How can work impact my other public benefits?

What must I do when I work?
Report work activity and wages.

Where can I get free benefits counseling?
In Massachusetts, there are two programs that provide free CWIC services, Work Without Limits Benefits Counseling and Project IMPACT (Individual Members Planning and Accessing Choices Together). Click here to learn more.

For More Information:

SSA: The Red Book - A Guide to Work Incentives

The Red Book serves as a general reference source about the employment-related provisions of the Social Security Disability Insurance and the Supplemental Security Income Programs for educators, advocates, rehabilitation professionals, and counselors who serve people with disabilities.

SSA Schedule of Benefit Payments 2020

Work & Social Security Disability Benefits: You Can Make It Work! Our fun, self-paced e-learning module

Benefits Counseling: Get The Facts

Community Resource Guide (PDF)

This Community Resource Guide provides a brief description and links for each organization and program’s website. This is a condensed resource guide, which includes:

  • Public Benefit Programs
  • Benefits Counseling
  • Employment Support Programs
  • Benefits & Legal Advocacy

Work and Public Benefits Handbook (PDF)

This Work and Public Benefits Handbook contains a variety of fact sheets, including:

  • General Information
  • SSI
  • SSDI
  • Public Health Insurance
  • Career Goals
  • Other Public Benefits
  • Special Populations

Customer Testimonials

“My Benefits Counselor was easy to talk to, caring, and highly informed. They were very thorough, answered my questions, and encouraged me to follow-up as needed.”

"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!"

"Brian has gained a reputation with our staff to have answers that cannot be found elsewhere. He is the expert for Veterans with questions around benefits."

"The program is operating as an efficient and well-organized machine. It has been highly critical in making the transition to work an actual possibility for the vast majority of my customers."

"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!"

"As an employment specialist, I love knowing that I can just pick up the phone and call Work Without Limits at any time, with any question, and I know with confidence that they will return my call with an answer. Thank you all for what you do. You make a difference every day!"

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.