S. 3924

In plain English

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.

Congressional Research Service summary from Congress.gov (not yet simplified).

Sponsor and status

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How South Carolina voted

No recorded roll-call vote on this bill yet. Most bills never get one.

Who lobbied

Lobbying reports name the bills a client worked on. They don't say which side anyone took.

No lobbying reported on this bill in the reports we have loaded (January 2025 through September 2026). Lobbyists report each quarter, about 20 days after it ends, so any lobbying since October 2026 will be added once those reports are filed.