Overview
- The changes published in the Diario Oficial took effect on 22 October 2026 and stop retroactive purchases of contribution periods for new Modalidad 40 registrants.
- New entrants may only declare a Salario Base de Cotización equal to their last registered salary or that salary plus one UMA, removing the prior free choice up to 25 UMA.
- IMSS has reported dozens of complaints about schemes where advisors, gestorías and financieras lent money or used ghost companies to buy retroactive weeks and inflate pensions.
- The agreement preserves existing contracts and pensions already granted while giving the Finance ministry up to six months for a fiscal study and the IMSS Legal Directorate six more months to draft definitive rules.
- Independent workers in Modalidad 10 are temporarily barred from migrating to Modalidad 40, a move that immediately alters retirement plans for people near pension age and has prompted legal and political challenges over the Consejo Técnico's authority.