H.R. 10193
We Can't Wait Act of 2026
Summary:
• 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 waiting period before benefits would normally begin.
• If an individual elects early receipt, their monthly benefit amount is permanently reduced to a set percentage (initially 94.25%) for the entire period of eligibility, with the percentage recalculated by the Chief Actuary every 5 years to maintain fiscal neutrality on the Federal Disability Insurance Trust Fund.
• The Commissioner of Social Security must update application forms within 180 days of enactment to include the early-receipt election option and post public information, including an online calculator, explaining the effect of electing early benefits.
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• If an individual elects early receipt, their monthly benefit amount is permanently reduced to a set percentage (initially 94.25%) for the entire period of eligibility, with the percentage recalculated by the Chief Actuary every 5 years to maintain fiscal neutrality on the Federal Disability Insurance Trust Fund.
• The Commissioner of Social Security must update application forms within 180 days of enactment to include the early-receipt election option and post public information, including an online calculator, explaining the effect of electing early benefits.
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