H.R. 10193 — We Can't Wait Act of 2026

This section permits individuals under early retirement age to elect receipt of disability insurance benefits during the five-month waiting period, at a benefit amount reduced to 94.25 percent for the 36-month period beginning 180 days after enactment and thereafter at a rate certified by the Commissioner to maintain fiscal neutrality for the Federal Disability Insurance Trust Fund over 75 years. Elections may be made at application, reconsideration, or hearing, or by a representative payee, and may be revoked except in the first month of eligibility.