Overview
- The IMSS published a DOF agreement that took effect on October 22, 2026, restricting new Modalidad 40 enrollments to a worker’s last recorded salary plus one UMA, ending retroactive high‑salary registrations, requiring digital-only applications, and barring some simultaneous independent-worker contracts.
- President Claudia Sheinbaum said the measures respond to alleged frauds that raised pension costs by “cientos de miles de millones” of pesos, but authorities have not yet released detailed case files or a public breakdown of the claimed losses.
- The IMSS says current Modalidad 40 affiliates will keep their contracted conditions and that weeks and paid salaries already recognized will continue to count for pension calculations, while anyone requesting new coverage after their current term must follow the new limits.
- The Council ordered the Dirección de Finanzas to complete a six-month actuarial and financial analysis and gave the Dirección Jurídica up to six more months to draft normative proposals, leaving the October restrictions labeled as temporary pending possible legal reform.
- Pension experts warn the rules will force many Ley 73 workers to revise retirement plans because they can no longer inflate their pension base with high voluntary contributions, and lawmakers say any permanent legal change should go through Congress.