# 119-s-3924: We Can't Wait Act of 2026

119-s-3924, We Can't Wait Act of 2026, is a 119th Congress bill sponsored by Sen. Collins, Susan M. [R-ME] (R-ME); status introduced; PRIA reads it as touching household money (as of 2026-10-30).

- Canonical: https://policyrisk.com/legislation/119-s-3924
- As of: 2026-10-30
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3924
- Congress: 119
- Title: We Can't Wait Act of 2026
- Status: introduced
- Introduced: 2026-02-25
- Sponsor: Sen. Collins, Susan M. [R-ME] (R-ME)
- Cosponsors: 1
- Policy area: Social Welfare
- Touches household money: yes
- Last recorded action: 2026-10-30

## Summary

**Option to receive disability insurance benefits during the Social Security waiting period.** This bill would create a new election allowing eligible disabled workers to accelerate benefit payments during the usual waiting period while adding actuarial and administrative rules to limit budget risk and ensure transparency. - Would let qualifying disabled individuals who have not reached early retirement age elect to receive disability insurance payments during the waiting period and allow a representative payee to make that election where applicable. - Would require the Chief Actuary to compute a percentage to keep the election actuarially neutral over a 75-year horizon, with the first computation within 36 months and recurring later, and give the Commissioner a certification step tied to a 91 percent threshold. - Would force the Social Security Administration to update application forms within 180 days and provide public information and a calculator so people can see how the election changes monthly benefits. *Designed to preserve actuarial neutrality for the Federal Disability Insurance Trust Fund by requiring a computed percentage and certification process over a 75-year horizon.*

## Cosponsors (1)

- Sen. Hassan, Margaret Wood [D-NH] (D-NH), 2026-02-25T00:00:00.000Z

## Provisions PRIA read

- SSDI forms and online calculator: benefit, low. If enacted, the Commissioner would update SSDI application forms within 180 days to include the new waiting-period election option and allow revocations. The Commissioner would also post public information online and provide a calculator to estimate how electing waiting-period payments would affect…
- Elect to get SSDI during wait: mixed, medium. If enacted, you would be able to elect in writing to receive Social Security Disability Insurance (SSDI) during the statutory waiting period if you have not attained early retirement age. The new rule would start for applications made or pending beginning the first month that begins 180 days after…

## Related bills

- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-3560: Closing the Contraception Coverage Gap Act
- 119-s-1748: Kids Online Safety Act
- 119-s-1541: SHIPS for America Act of 2025
- 119-s-4639: IRS Whistleblower Program Improvement Act
- 119-s-4578: Gateway to Careers Act of 2026

## Sources
- [119-s-3924 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3924)

## Related
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-3560: Closing the Contraception Coverage Gap Act](https://policyrisk.com/legislation/119-s-3560)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-4639: IRS Whistleblower Program Improvement Act](https://policyrisk.com/legislation/119-s-4639)
- [119-s-4578: Gateway to Careers Act of 2026](https://policyrisk.com/legislation/119-s-4578)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3924 (as of 2026-10-30).