Overview
- Pre-1997 IMSS affiliates must register within five years of leaving the mandatory regime and have at least 500 weeks of previous contributions to access Modalidad 40.
- Workers electing Modalidad 40 must base voluntary payments on salaries up to the 25 UMA cap (over 80,000 pesos monthly) to enhance their pension base.
- Online SPEI transfers are now accepted for monthly Modalidad 40 payments, eliminating bank visits and improving transaction security.
- Under Ley 73, the guaranteed minimum pension rose to 9,412 pesos in February 2025 and is projected to reach about 10,731 pesos in 2026.
- IMSS urges workers to verify eligibility and estimate benefits using its online pension simulator or by visiting service modules before enrolling.