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New community program tackles the cliff effect’ of sudden loss of public benefits when income rises; offers monthly bridge payment, support networks and personalized coaching

June 4, 2025 //  by Finnovate

Springfield WORKS and United Way Pioneer Valley will host a celebration for the Bridge to Prosperity Cliff Effect Pilot Program launch. A community initiative of the Western Massachusetts Economic Development Council, this pilot program is designed to tackle the “cliff effect,” which occurs when families experience a sudden loss of public benefits when their income rises, often leaving them financially worse off despite earning more. The initiative is crafted in collaboration with the Food Bank of Western Massachusetts. In the pilot program, participants benefit from personalized coaching to help navigate finances, employment, and career growth, and receive connections to additional support in the community as needed. Each participant receives a monthly bridge payment based upon their estimated cliff effect impact, with an additional $10,000 asset-building payment at the end of the program. These payments are designed to stabilize families and will help mitigate potential losses in benefits while they work toward moving up the career ladder and achieving lasting economic security. Our pilot launched in February with 18 participants, seven here in Springfield, and we’re already making a difference,” said Kristen Joyce, Bridge to Prosperity program director. “Bridge payments helped one family stabilize their housing and another purchase food when their SNAP ended. Another participant was able to start training to become a nurse after years of only dreaming of it.” The program is aiming to serve up to 100 families in 2025.

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