This paper analyzes the approaches that states can take to address the needs of families facing the loss of Temporary Assistance for Needy Families (TANF) benefits due to time limits. Ways in which these approaches can be funded with state or federal welfare funds are discussed. The paper examines how states can use federal TANF or state maintenance of effort (MOE) funds to serve families that reach time limits and still need aid. Overall, states can: continue benefits to children in the family; provide subsidized community service jobs to unemployed parents; provide work supports for employed families; allow extensions to families needing them beyond a 20-percent caseload limit; and provide safety net assistance if no other aid is available. Families are reaching time limits now in many states. States should revisit and add to their time limit approaches in light of the recent changes in state TANF caseloads and the clarified and expanded flexibility that states have under the final TANF rules. The range of options available to states to assist families reaching time limits is not limited to the criteria they adopt for extension of time limits. (SM)