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Politiparty

119th Congress Social Welfare

S. 3648: Immediate Access for the Terminally Ill Act

Introduced

  1. Introduced (completed)Jan 15, 2026
  2. Passed Senate (not reached)
  3. Passed House (not reached)
  4. To the President (not reached)
  5. Became law (not reached)

Summary

Introduced in Senate, Jan 15, 2026

This bill permits Social Security Disability Insurance (SSDI) beneficiaries with specified terminal illnesses to elect expedited payment of benefits in exchange for a reduction in the amount of their monthly benefit.

Specifically, the bill requires the Social Security Administration (SSA) to establish a list of medical conditions that qualify an individual for expedited payment. These conditions must have no known cure, must involve a life expectancy of five years or less, and must be present on the most recent Compassionate Allowances list (a list of medical conditions that, by definition, meet the standards for SSDI benefits). The bill directs SSA to update the list every five years. Congress must approve each medical condition added to the list.

Under the bill, individuals diagnosed with a specified terminal condition may 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 must accept a 7% reduction in monthly benefits.

Read the full summary

Separately, the bill prohibits individuals receiving unemployment benefits from simultaneously receiving SSDI benefits. The bill also permits SSA to collect less than 100% of an overpaid Social Security beneficiary’s monthly benefit, so long as the collection amount is not less than 10% of their monthly benefit.

Written by the Congressional Research Service, Library of Congress.

Roll calls

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Amendments

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Other bills by Mike Lee

History

  1. Jan 15, 2026Introduced in the Senate by Mike Lee.
Show the full action history (2 actions)
  1. Jan 15, 2026Introduced in Senate
  2. Jan 15, 2026Read twice and referred to the Committee on Finance.