This bill aims to eliminate significant work disincentives for individuals who have been childhood disability beneficiaries under the Social Security Act. It specifically amends the criteria for determining disability onset for these individuals, allowing them to qualify for their own earned benefits. A key change is that the impairment only needs to have could have been the basis for a disability finding before age 22, irrespective of whether the individual was engaged in substantial gainful activity at that time. Furthermore, the legislation removes the requirement for continuous disability between the onset date and the application date, providing flexibility for individuals who may have experienced periods of improvement or work. The bill also streamlines the application process by deeming an application for child's benefits as an application for disability or old-age benefits if the individual meets certain criteria. Crucially, it mandates that if the individual's own earned old-age or disability benefit would be greater than their child's insurance benefit, they will receive the higher individual benefit, thereby encouraging work without fear of losing benefits. These changes will apply to applications filed 24 months after the bill's enactment.