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The We Can't Wait Act of 2026 amends the Social Security Act to allow disabled individuals to elect to receive disability insurance benefits during the standard 5-month waiting period, rather than waiting until the waiting period ends. Individuals who make this election would receive a reduced benefit amount (initially 94.25% of their full benefit) that remains fixed for their entire period of eligibility. The bill includes provisions for applicants to make or revoke this election during specified windows, and requires the Social Security Administration to adjust the benefit percentage every five years based on actuarial calculations to maintain fiscal neutrality for the Disability Insurance Trust Fund.
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