Agent skill

Benefits Cliff Check

by mohitagw15856 in mohitagw15856/pm-claude-skills

Check whether a raise, more hours, or a new job could cost you more in lost benefits than you gain — the 'benefits cliff' — before you accept it.

MITAuto-check passed

Install Benefits Cliff Check

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill benefits-cliff-check -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills benefits-cliff-check --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/benefits-cliff-check .claude/skills/benefits-cliff-check && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
benefits-cliff-check
GitHub stars
1.4k
Token cost
~1.3k tokens
SKILL.md length
622 words
Files
1
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

Check whether a raise, more hours, or a new job could cost you more in lost benefits than you gain — the 'benefits cliff' — before you accept it.

  • Works in 5 steps: List what's income-tested. Only benefits… → Separate tapers from cliffs. Some… → Estimate net, directionally. Add the… → …
  • Asked will a raise hurt my benefits
  • SKILL.md covers What This Skill Produces, Required Inputs, Framework: Map the Phase-Outs,… and Output Format, plus 3 more sections
  • Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md

What it does

Benefits Cliff Check is an agent skill from mohitagw15856/pm-claude-skills. Check whether a raise, more hours, or a new job could cost you more in lost benefits than you gain — the 'benefits cliff' — before you accept it. Use when asked will a raise hurt my benefits, benefits cliff, if I make more will I lose my food stamps or medicaid, or should I take more hours. Produces a plain map of which benefits phase out at what income (and which cut off suddenly vs. taper), a rough read on whether a specific income change helps or hurts net, the ones with hard cliffs to watch (childcare…

Its SKILL.md is about 1.3k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Asked will a raise hurt my benefits
  • I make more will I lose my food stamps
  • Should I take more hours

Example prompts

  • “benefits cliff”
  • “/benefits-cliff-check”

Workflow steps

5 steps, taken from the first numbered list in SKILL.md.

  1. List what's income-tested. Only benefits tied to income are at risk — map which you get and roughly where each phases out.
  2. Separate tapers from cliffs. Some benefits shrink gradually (usually fine to earn more); others end abruptly at a line — the cliffs are…
  3. Estimate net, directionally. Add the income gain, subtract the likely benefit losses — even a rough read shows whether a change is a trap…
  4. Look for the softening moves. Pre-tax contributions that lower countable income, timing the increase, and transitional-benefit programs…
  5. Get the real numbers screened. Thresholds are exact and local — a benefits counselor can run your actual case; treat this as the…

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Benefits Cliff Check loads about 1.3k tokens when it runs. Until then it costs about 190 tokens; SKILL.md has 622 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~190
When it runs · the whole SKILL.md, loaded when a task matches
~1.3k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 622 words, ~1,258 tokens.

Download SKILL.mdSave it as .claude/skills/benefits-cliff-check/SKILL.md (or your agent's skills folder).
name
benefits-cliff-check
description
Check whether a raise, more hours, or a new job could cost you more in lost benefits than you gain — the 'benefits cliff' — before you accept it. Use when asked will a raise hurt my benefits, benefits cliff, if I make more will I lose my food stamps or medicaid, or should I take more hours. Produces a plain map of which benefits phase out at what income (and which cut off suddenly vs. taper), a rough read on whether a specific income change helps or hurts net, the ones with hard cliffs to watch (childcare, Medicaid, housing), the moves that soften a cliff, and where to get a real benefits screening — so you make an income decision with eyes open, not a nasty surprise. Not financial/benefits advice; points to a benefits counselor.

Benefits-Cliff Check

More income is supposed to mean more money — but for people on income-tested benefits, a raise can cost more in lost help than it adds in pay. That's the benefits cliff, and it blindsides people into being worse off for working more. This maps how your benefits phase out, gives a rough read on whether a specific change helps or hurts net, and flags the hard cliffs — so you decide with eyes open and get a real screening before acting.

What This Skill Produces

  • A phase-out map — which of your benefits taper gradually vs. cut off at a hard income line (food assistance, Medicaid/health subsidies, childcare help, housing assistance, EITC)
  • A rough net read — for a specific raise/hours/new job, a plain estimate of whether you come out ahead, flat, or behind after benefit changes
  • The hard cliffs to watch — the benefits that vanish suddenly at a threshold (often childcare, Medicaid, housing) where a small raise can cost a lot
  • Cliff-softening moves — options like pre-tax contributions, timing, or transitional-benefit programs that ease a threshold
  • A "get it screened" pointer — where a benefits counselor can run your actual numbers (this is a directional read, not a calculation)
  • A decision frame — accept, negotiate differently, or plan the income increase in steps

Required Inputs

Ask for these if not provided:

  • The change — the raise/hours/new job and roughly the new income
  • Your benefits — which you receive (food, health, childcare, housing, tax credits)
  • Your household — size and who's covered (drives thresholds)
  • Where — region (thresholds and programs are local)

Framework: Map the Phase-Outs, Watch the Hard Cliffs

  1. List what's income-tested. Only benefits tied to income are at risk — map which you get and roughly where each phases out.
  2. Separate tapers from cliffs. Some benefits shrink gradually (usually fine to earn more); others end abruptly at a line — the cliffs are the danger, especially childcare, Medicaid, and housing.
  3. Estimate net, directionally. Add the income gain, subtract the likely benefit losses — even a rough read shows whether a change is a trap or a win.
  4. Look for the softening moves. Pre-tax contributions that lower countable income, timing the increase, and transitional-benefit programs can turn a cliff into a slope.
  5. Get the real numbers screened. Thresholds are exact and local — a benefits counselor can run your actual case; treat this as the check-before-you-check, not the final math.
Show full SKILL.md (228 more words)Show less

Output Format

Benefits-cliff check: +[income change] · [household] · [region]

Your income-tested benefits: [list]. Tapers (earn more, mostly fine): [which]. Hard cliffs (watch these): [childcare / Medicaid / housing — vanish at a line]. Rough net read: [ahead / flat / behind — directional]. Softening moves: [pre-tax contributions · timing · transitional programs]. Get it screened: [benefits counselor / local agency — for your exact numbers]. Decision frame: [accept · phase it in · negotiate differently].

Not financial or benefits advice — thresholds are exact, local, and change. Get a real screening from a benefits counselor before deciding.

Quality Checks

  • Identifies which benefits are income-tested
  • Distinguishes gradual tapers from hard cliffs
  • Gives a directional net read for the specific change
  • Flags the high-risk cliffs (childcare/Medicaid/housing)
  • Points to a real benefits screening for exact numbers

Anti-Patterns

  • Assuming more income is always better — ignoring the cliff.
  • Treating a rough read as exact rather than getting screened.
  • Missing the hard-cliff benefits buried among the tapers.
  • Ignoring softening moves that would keep the raise worth it.
  • Turning down a raise on fear without checking the actual net.

Example Trigger Phrases

  • "Will this raise actually cost me money in lost benefits?"
  • "What's the benefits cliff and does it affect me?"
  • "If I make more, will I lose Medicaid or food stamps?"
  • "Should I take the extra hours or will it hurt my childcare help?"
  • "How do I know if a new job leaves me better or worse off?"

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in skills/benefits-cliff-check of mohitagw15856/pm-claude-skills.

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Benefits Cliff Check next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Benefits Cliff Check compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Benefits Cliff Check this skillmohitagw15856/pm-claude-skills1.4k—~1.3kAutomated safety check: PassMIT
Technical Job Searchgithub/awesome-copilot40k—~1.2kAutomated safety check: PassMIT
Job Application AssistantMadsLorentzen/ai-job-search45k—~1.2kAutomated safety check: NotesMIT
Job Application Managerreactive-resume/reactive-resume44k—~13kAutomated safety check: PassMIT
Python Background Jobswshobson/agents40k—~1.8kAutomated safety check: PassMIT
Raisely AutomationComposioHQ/awesome-claude-skills77k3 repos~730Automated safety check: PassNone

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Questions about Benefits Cliff Check

What does Benefits Cliff Check do?

Check whether a raise, more hours, or a new job could cost you more in lost benefits than you gain — the 'benefits cliff' — before you accept it. Benefits Cliff Check is an agent skill from mohitagw15856/pm-claude-skills. Check whether a raise, more hours, or a new job could cost you more in lost benefits than you gain — the 'benefits cliff' — before you accept it.

When should I use Benefits Cliff Check?

Benefits Cliff Check fits situations like: asked will a raise hurt my benefits; I make more will I lose my food stamps; should I take more hours.

How do I install Benefits Cliff Check in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill benefits-cliff-check -a claude-code`. Or copy the skill folder (skills/benefits-cliff-check in mohitagw15856/pm-claude-skills) into .claude/skills/benefits-cliff-check in your project. Claude Code loads it when a task matches its description.

How do I install Benefits Cliff Check in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill benefits-cliff-check -a codex`. Or copy the skill folder (skills/benefits-cliff-check in mohitagw15856/pm-claude-skills) into .agents/skills/benefits-cliff-check in your project. Codex loads it when a task matches its description.

Can I use Benefits Cliff Check in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill benefits-cliff-check -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/benefits-cliff-check, .gemini/skills/benefits-cliff-check, .github/skills/benefits-cliff-check and .opencode/skills/benefits-cliff-check in your project.

What does Benefits Cliff Check need to run?

SKILL.md names no scripts, command-line tools or credentials: Benefits Cliff Check is instructions for the agent only.

Does Benefits Cliff Check access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Benefits Cliff Check safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Benefits Cliff Check use?

Benefits Cliff Check is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Benefits Cliff Check use?

About 1.3k tokens (SKILL.md is roughly 5k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Benefits Cliff Check?

Skills that share tags, products or a category with Benefits Cliff Check: Technical Job Search (github/awesome-copilot, 40k stars), Job Application Assistant (MadsLorentzen/ai-job-search, 45k stars), Job Application Manager (reactive-resume/reactive-resume, 44k stars) and Python Background Jobs (wshobson/agents, 40k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Benefits Cliff Check?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.