Overview

• IMSS offers Cesantía en Edad Avanzada at age 60 and Vejez at age 65 under two legal regimes based on whether contributions began before or after June 1997
• Workers in the pre-1997 regime generally need 500 weeks cotizadas while those under the 1997 regime must meet an 850-week threshold for 2025, rising toward 1,000 by 2031
• Beneficiaries choose between a Renta Vitalicia annuity with an authorized insurer or a retirement pension paid from their AFORE balance, with adjustments for inflation
• Pension applicants must use Pensión Digital to review their regime status and contribution history before delivering official documents such as ID, proof of address and bank CLABE to IMSS
• Media outlets highlight inconsistencies in reported requirements and urge applicants to verify information through IMSS systems to avoid fraud