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S. 3924 (119th Congress)Committee
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We Can't Wait Act of 2026

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The bill amends Title II of the Social Security Act to let applicants for Social Security Disability Insurance (SSDI) elect to receive benefits during the five-month waiting period that normally applies before benefits begin, with the election made at application or during specified windows and revocable in limited cases. Elected benefits would be reduced to 94.25 percent of the standard amount for the first 36 months, after which the percentage would be set by the Commissioner based on Chief Actuary calculations of long-term Disability Insurance Trust Fund impact, with a report to Congress required if the Commissioner declines to certify a percentage. The bill also requires the Social Security Administration to publish information and a benefit calculator online and to update application forms within 180 days of enactment.

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