S. 3924 · 119th Congress
We Can't Wait Act of 2026
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R
CollinsSponsor1 cosponsor · 1 D
1 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.
This bill permits Social Security Disability Insurance (SSDI) beneficiaries to elect expedited payment of benefits in exchange for a reduction in the amount of their monthly benefit.
What it does: CRS summary · Introduced in Senate · Feb 25, 2026
We Can't Wait Act of 2026
This bill permits Social Security Disability Insurance (SSDI) beneficiaries to elect expedited payment of benefits in exchange for a reduction in the amount of their monthly benefit.
Specifically, the bill allows individuals to elect to receive SSDI benefits beginning the month after the onset of disability. Under current law, individuals generally must wait five months after the onset of disability to begin receiving SSDI benefits.
Individuals who opt to receive expedited payment during the first three years the bill is in effect must accept a 5.75% reduction in monthly benefits. At the three-year point and every five years thereafter, the Social Security Administration (SSA) must recalculate the applicable percentage to ensure no negative fiscal impact to the Federal Disability Insurance Trust Fund. Changes to the designated percentage may not impact the benefit amount received by existing beneficiaries.
SSA must make available an online tool for calculating the impact of electing to receive benefits during the waiting period on an individual’s SSDI benefit.
Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov
About this bill and sources
Official title: We Can't Wait Act of 2026
Latest action (Feb 25, 2026): Read twice and referred to the Committee on Finance.
Policy area: Social Welfare · Origin: Senate · Introduced: Feb 25, 2026
Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)
No recorded floor vote found.