Initially this report presents a summary of three Work Incentive Programs (WIN) undertaken by a consortium of schools of social work at the University of Chicago, University of Michigan, and Case Western Reserve University, discussing in detail the design, major findings, and recommendations made. The next two chapters are devoted to discussions of study questions and design. Major demographic and social characteristics of WIN participants, such as sex, race, age, residence, marital status, education, welfare status, and employment are described. Chapters 5 and 6 contain an analysis of incentive and disincentive features associated with the personal characteristics and living situations. The following three chapters consider the effects of the requirements to participate in WIN, the monetary incentive, and other program features (training, job placement). The next two chapters compare the incentive-disincentive responses to one another and identify patterns among the responses. Finally the details of how the WIN program evolved among the study cities is discussed in detail. The WIN interview schedule is included as an appendix and tabulated responses to the questionnaire are used throughout the document as the basis for the discussion. (BP)