Calculating Contributed Weeks Determines Retirement Eligibility in 2025, according to IMSS
The Mexican Social Security Institute (IMSS) plays a crucial role in ensuring pension security for millions of Mexicans. If you're planning for your retirement, it's essential to understand the two main regimes: Law 73 and Law 97.
Law 73 applies to those who began contributing before July 1, 1997. Under this law, the minimum age to retire is 60 years for unemployment and 65 years for old age, given the same conditions. Those who fall under this law need at least 500 contributed weeks to retire. The pension is calculated based on the average salary of the last five years and the weeks accumulated.
On the other hand, Law 97 is directed at those who joined the IMSS from July 1, 1997, onwards. The minimum age to retire under Law 97 is the same as Law 73. However, the number of contributed weeks required to retire varies. In 2025, Law 97 requires 850 contributed weeks to retire, while after 2025, one typically needs at least 1,250 contribution weeks.
To start the pension process, the IMSS requires valid official identification, a statement of your AFORE, a bank account statement with CLABE, and a resolution or denial of pension issued by the IMSS (if a previous process was carried out).
To know your contributed weeks at the IMSS, you can use the official IMSS portal. Accessing the portal requires your Unique Population Registry Key (CURP), your Social Security Number (NSS), and a valid email address. The system will send a detailed report to your email with the total number of weeks you have accumulated.
For estimating your pension, it is recommended to use the Retirement Calculator of the National Commission for the Retirement Savings System (CONSAR). This tool provides an approximate amount of what you could receive. It's essential to keep your contributed weeks record up to date and comply with the legal requirements to plan your retirement with time and certainty.
Under Law 97, those who began contributing after July 1, 1997, need to have a sufficient balance in their AFORE and an up-to-date Worker Identification File. To retire under Law 97, it's crucial to meet these criteria, as the right to retire at the IMSS is conditioned by the number of weeks contributed and the law under which one is registered.
In 2025, if you meet these criteria, you can start your pension application under either Law 73 or Law 97. By understanding the requirements and the process, you can prepare yourself for a secure and comfortable retirement.
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