RESUMO
Using a representative sample of over 900 low-income urban families from the Three-City Study, analyses assessed whether maternal human capital characteristics moderate relationships between mothers' welfare and employment experiences and young adolescents' well-being. Results indicate synergistic effects whereby greater maternal education and literacy skills enhanced positive links between mothers' new or sustained employment and improvements in adolescent cognitive and psychosocial functioning. Greater human capital also enhanced the negative links between loss of maternal employment and adolescent functioning. Mothers' entrances onto welfare appeared protective for adolescents of mothers with little education but predicted decreased psychosocial functioning among teens of more educated mothers. Results suggest that maternal human capital characteristics may alter the payback of welfare and work experiences for low-income families.