Overview
- The IMSS confirmed on Monday that it has launched a bank‑referenced payment mechanism administered through HSBC and will increase supervisory checks to make sure Modalidad 40 payments are identified and credited correctly.
- Modalidad 40 (Continuación Voluntaria) lets people who left formal employment continue contributing to raise weeks cotizadas and the salary base used for pension calculation, but applicants must have no active subordinate employment, at least 52 weeks cotizadas in the last five years, and apply within five years of their baja.
- Pension amounts under the 1973 rules are calculated from the average salary of the last 250 weeks, so a single year of maximum contributions is usually diluted by prior lower salaries and rarely produces a large pension boost.
- The 2026 parameters make full‑cap contributions costly: the daily UMA is MXN $117.31, the 25‑UMA cap is MXN $2,932.75, the contribution rate for Modalidad 40 is 14.438% of the SBC, and paying the top level for about 250 weeks can total roughly MXN $741,003.
- The IMSS warns that offers to “buy weeks” are fraudulent, Modalidad 40 does not include medical coverage while you are contributing, and advisers say contributors should run financial projections and plan to pay at the top for three to five years if they want a meaningful pension gain.