diff --git a/net/sctp/sm_make_chunk.c b/net/sctp/sm_make_chunk.c
index c02809264075..a1c0334a1038 100644
--- a/net/sctp/sm_make_chunk.c
+++ b/net/sctp/sm_make_chunk.c
@@ -1802,9 +1802,9 @@ struct sctp_association *sctp_unpack_cookie(
 		goto fail;
 	}
 
-	/* Check to see if the cookie is stale.  If there is already
-	 * an association, there is no need to check cookie's expiration
-	 * for init collision case of lost COOKIE ACK.
+	/* Check to see if the cookie is stale.  RFC 9260 Section 5.2.4
+	 * exempts an expired cookie only when both Verification Tags match
+	 * the current association.
 	 * If skb has been timestamped, then use the stamp, otherwise
 	 * use current time.  This introduces a small possibility that
 	 * a cookie may be considered expired, but this would only slow
@@ -1815,7 +1815,10 @@ struct sctp_association *sctp_unpack_cookie(
 	else
 		kt = ktime_get_real();
 
-	if (!asoc && ktime_before(bear_cookie->expiration, kt)) {
+	if ((!asoc ||
+	     asoc->c.my_vtag != bear_cookie->my_vtag ||
+	     asoc->c.peer_vtag != bear_cookie->peer_vtag) &&
+	    ktime_before(bear_cookie->expiration, kt)) {
 		suseconds_t usecs = ktime_to_us(ktime_sub(kt, bear_cookie->expiration));
 		__be32 n = htonl(usecs);