Many Americans work hard every day but do not earn enough to save and prosper, let alone take advantage of postsecondary educational opportunities to secure better-paying jobs and move towards greater economic security. Far too many of the resources designed to help assist these families and individuals go unclaimed every year – leaving nearly $72 billion on the table.

MDC designed the Work Supports Initiative to build community-based capacity to directly connect more vulnerable populations with the supports and essential services to stabilize their household finances, secure valuable educational and training opportunities, and grow long-term wealth. 

When secured, works supports reduce poverty, encourage and sustain employment, improve welfare-to-work success rates, improve health outcomes, increase economic mobility, and reduce recidivism among the formerly incarcerated. The core bundle of supports includes tax credits (such as the Earned Income Tax Credit), nutrition assistance (such as food stamps, now called SNAP), health insurance (CHIP/Medicaid, subsidized insurance through the Affordable Care Act), and student financial aid (such as Pell Grants and the new GI Bill).

The Work Supports Initiative has helped other states replicate the outreach model pioneered by The Ohio Benefit Bank, where more than 3,000 counselors from over 1,000 faith-based and community organizations have helped low-income Ohioans apply for work supports worth more than $1.4 billion since 2006. See a video about The Ohio Benefit Bank here.  

As part of the Work Supports Initiative, MDC’s efforts included:

  • In North Carolina, MDC prepared a feasibility analysis, commissioned by the Z. Smith Reynolds Foundation, about bringing outreach using The Benefit Bank to North Carolina and then helped to launch and now manages a statewide initiative, called The Benefit Bank of North Carolina, to connect families with supports.
  • In South Carolina, MDC helped to frame issues of poverty to be addressed, organize stakeholders to address those problems, secured funding for and launched The Benefit Bank of South Carolina, now operated by the organization SC Thrive.
  • In Virginia, MDC prepared a feasibility analysis, commissioned by six Virginia foundations, to analyze the feasibility of combining the Integrated Services Delivery model with The Benefit Bank. The report formed the basis for a $12 million grant awarded to the Virginia Workforce Development System to establish the Virginia Financial Success Network, which is demonstrating the recommended model at six One-Stop Career Centers. MDC is being retained as a consultant to this project.



  • Deepen social outcomes from and demonstrate sustainable models combining outreach and technology, such as The Benefit Bank.
  • Replicate The Ohio Benefit Bank model in multiple states. 
  • Invigorate local economies with millions of additional federal dollars each year.



For more information on about the Work Supports Initiative, contact Ralph Gildehaus.