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Many states have undertaken reforms of varying kinds that are affecting different portions of their welfare caseloads. This report examines 5 states' early experiences implementing welfare reforms under waivers of Fed. law: Florida, Indiana, New Jersey, Virginia, and Wisconsin. Focuses on 3 key reform provisions: time-limited benefits, work requirements, and family caps, which deny cash benefits for additional children born to families already receiving AFDC. In FY Ô95, this program provided $22 billion in cash benefits to 14 million adults and children.