S. 2196Senate118th Congress (2023-2025)In Committee

Work Without Worry Act

Sponsored by Ron WydenSen. Ron Wyden (D-OR)
Introduced June 22, 2023

AI-Generated Summary

Updated January 20, 2026 at 9:16 AM UTC

The Work Without Worry Act changes Social Security rules to make it easier for children with disabilities to qualify for benefits without being penalized for working. It broadens the definition of a qualifying disability, treats a child’s benefit application as also covering disability or old‑age benefits, and eliminates the need for continuous disability status before applying. The changes affect children who receive Social Security child’s insurance benefits and aim to remove work‑related disincentives.

Key Provisions

  • Amends the Social Security Act’s definition of a child with a disability so that the impairment must have begun before age 22 (or be presumed to have begun before age 22) and could have qualified for a disability finding regardless of the child’s work activity.
  • Adds rules that an application for a child’s insurance benefit will also be treated as an application for disability insurance (if the child is under early retirement age) or old‑age insurance (if the child has reached early retirement age and is fully insured).
  • Specifies that if the adult disability or old‑age benefit the child would receive is higher than the child’s insurance benefit, the child will not receive the child’s insurance benefit.
  • Removes the requirement that the child be continuously disabled from the onset of the impairment until the application is filed.
  • Sets the changes to apply to applications filed 24 months after the law’s enactment.

Legislative Activity

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1 earlier action
SenateIntro Referral Latest Action

Read twice and referred to the Committee on Finance. (Sponsor introductory remarks on measure: CR S2233; text: CR S2233-2234)

June 22, 2023

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SenateIntro Referral

Introduced in Senate

June 22, 2023

SenateIntro Referral

Read twice and referred to the Committee on Finance. (Sponsor introductory remarks on measure: CR S2233; text: CR S2233-2234)

June 22, 2023

Floor Debate

5 members

What members said about S. 2196 on the floor

1 Republican4 Democrats
Dianne Feinstein
Sen. Dianne FeinsteinD-CA · Jun 22, 2023

Madam President, I rise to speak in support of the Canal Conveyance Capacity Restoration Act, which I introduced today. Representative Jim Costa has introduced companion legislation in the House of…

Alex Padilla
Sen. Alex PadillaD-CA · Jun 22, 2023

Madam President, I rise to introduce the Smoke Exposure Crop Insurance Act of 2023. This legislation will make Federal crop insurance work better for wine grapes impacted by wildfire smoke exposure.…

Susan M. Collins
Sen. Susan M. CollinsR-ME · Jun 22, 2023

Madam President, I rise today to introduce the Clean Cooking Support Act. I am pleased to be joined in this effort by my friend and colleague Senator Durbin. Our bill aims to address a serious global…

Ron Wyden
Sen. Ron WydenD-OR · Jun 22, 2023

Madam President, one topic there is much agreement on is the benefits of work, and our laws should support those who want to work. The bill I am introducing today will change Social Security so that…

Ron Wyden
Sen. Ron WydenD-OR · Jun 22, 2023

Madam President, one topic there is much agreement on is the benefits of work, and our laws should support those who want to work. The bill I am introducing today will change Social Security so that…

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Jack Reed
Sen. Jack ReedD-RI · Jun 22, 2023

Madam President, I believe that Americans are ready and willing to answer the call to serve, to come together and meet the challenges that we face at the local, national, and international level. We…

Bill Text

Latest available legislative text

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Introduced in SenateIssued June 22, 2023

II

118th CONGRESS

1st Session

S. 2196

IN THE SENATE OF THE UNITED STATES

June 22, 2023

Mr. Wyden (for himself, Mr. Cassidy, Mr. Sanders, Mr. Budd, Mr. Markey, Ms. Warren, Mr. Whitehouse, Mr. Merkley, Mrs. Murray, and Mr. Brown) introduced the following bill; which was read twice and referred to the Committee on Finance

A BILL

To amend title II of the Social Security Act to eliminate work disincentives for childhood disability beneficiaries.

1.

Short title

This Act may be cited as the Work Without Worry Act.

2.

Elimination of work disincentive for childhood disability beneficiaries

(a)

In general

Section 202(d) of the Social Security Act (42 U.S.C. 402(d)) is amended—

(1)

in paragraph (1)(B)(ii), by striking is under a disability (as defined in section 223(d)) which began before he attained the age of 22, and and inserting the following: “is under a disability (as defined in section 223(d)), and—

(I)

the physical or mental impairment (or combination of impairments) that is the basis for the finding of disability began before the child attained the age of 22 (or is of such a type that can reasonably be presumed to have begun before the child attained the age of 22, as determined by the Commissioner), and

(II)

the impairment or combination of impairments could have been the basis for a finding of disability (without regard to whether the child was actually engaged in substantial gainful activity) before the child attained age 22, and

; and

(2)

by adding at the end the following new paragraphs:

(11)
(A)

In the case of a child described in subparagraph (B)(ii) of paragraph (1) who—

(i)

has not attained early retirement age (as defined in section 216(l)(2));

(ii)

has filed an application for child's insurance benefits; and

(iii)

is insured for disability benefits (as determined under section 223(c)(1)) at the time of such filing;

such application shall be deemed to be an application for both child's insurance benefits under this subsection and disability insurance benefits under section 223.
(B)

In the case of a child described in subparagraph (B)(ii) of paragraph (1) who—

(i)

has attained early retirement age (as defined in section 216(l)(2));

(ii)

has filed an application for child's insurance benefits; and

(iii)

is a fully insured individual (as defined in section 214(a)) at the time of such filing;

such application shall be deemed to be an application for both child's insurance benefits under this subsection and old-age insurance benefits under section 202(a).
(C)

Notwithstanding paragraph (1), in the case of a child described in subparagraph (A) or (B), if, at the time of filing an application for child's insurance benefits, the amount of the monthly old-age or disability insurance benefit to which the child would be entitled is greater than the amount of the monthly child's insurance benefit to which the child would be entitled, the child shall not be entitled to a child's insurance benefit based on such application.

(D)

For purposes of subparagraph (C), the amount of the monthly old-age or disability benefit to which the child would be entitled shall be determined—

(i)

without regard to the primary insurance amount calculation described in section 215(a)(7); and

(ii)

before application of section 224.

(12)

For purposes of paragraph (1)(B)(ii), a child shall not be required to be continuously under a disability during the period between the date that the disability began and the date that the application for child’s insurance benefits is filed.

.

(b)

Effective date

The amendments made by this section shall apply to applications filed on or after the date that is 24 months after the date of the enactment of this section.