<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml">
  <url>
    <loc>https://www.benefitscliff.com/benefits-trivia-quiz</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2019-11-26</lastmod>
  </url>
  <url>
    <loc>https://www.benefitscliff.com/other-issues</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.benefitscliff.com/research</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d334b050424070001b8844f/1563737363500-6OR2ZUJ9UBJ2NZFQHOPL/Butterfly+dollars.jpg</image:loc>
      <image:title>Benefits Cliff Research</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitscliff.com/what-is-a-benefits-cliff</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-04-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d334b050424070001b8844f/1574746888039-EYW9Q7ZMI80NGVHRFU8E/Leap+Fund++Benefits+Cliff+-+Imgur.gif</image:loc>
      <image:title>What is a Benefits Cliff?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d334b050424070001b8844f/1563741368945-WDMMQMSLUKMYZT1I25QT/Pink+Graph.jpg</image:loc>
      <image:title>What is a Benefits Cliff? - Why is it hard to know when a cliff will occur?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitscliff.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.benefitscliff.com/take-action</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-08-19</lastmod>
  </url>
  <url>
    <loc>https://www.benefitscliff.com/policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d334b050424070001b8844f/f1156251-3262-4b1e-9b6a-cc0daaf6f649/policy_brief_asset_limits.pdf+2023-02-14+13-37-02.png</image:loc>
      <image:title>Benefits Cliff Policy Concerns</image:title>
      <image:caption>Asset limits are a known contributor to benefits cliffs decisions and cliff-like loss.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.benefitscliff.com/pilots</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-09</lastmod>
  </url>
</urlset>

