I have my BSW and SSW and my experience with it is that it's a lot more challenging to get a job / the job that you want with a SSW or BSW, for me at least. Most clinical jobs including working at the hospital require an MSW and when certain jobs don't, you may still be competing against MSW grads. Having an MSW is also higher pay than SSW or BSW. Although I learned some direct practice skills with my SSW and BSW, I believe MSW can provide you with more direct practice skills and teach you more in depth about different interventions. I have been searching for jobs on indeed and it has been clear that a lot of jobs require an MSW particularly for the one's I want (preferably at the hospital). I also found that a lot of SSW and BSW jobs offer many part-time or overnight positions where MSW does not. Although you do not need your MSW to work at places like CMHA since you mentioned you wanted to work in mental health, - however, one of the postings I found for a BSW job/undergraduate job was asking for overnight counsellors. I hope this helps!! Let me know if you have any questions.