Overview

• Workers who enrolled with the IMSS before July 1, 1997 fall under Ley 73, while those who joined on or after that date are governed by Ley 97.
• Ley 73 requires at least 500 weeks of contributions and offers Cesantía en Edad Avanzada from ages 60 to 64 and Vejez starting at 65.
• The pension is based on the average salary of the last 250 weeks, with reductions for early retirement such as about 75% at age 60 and 95% at 64, reaching 100% at 65.
• Applicants file at their IMSS subdelegation and, if the institute issues a Resolución de Negativa for insufficient weeks, they access their AFORE funds instead of a lifetime pension.
• For 2025 coverage, outlets report a 9,412‑peso monthly guaranteed minimum for Ley 73 claims filed after February 1, and workers may consider Modalidad 40 to increase weeks and the reference wage.