Everything you need to know about the IMSS pension types

Image result for pensionThere comes a time in life where it is time to retire, after a long career it is time to rest and enjoy the retreat, but how can I do it? I need to work to generate money and if I stop doing it I will be left without my livelihood.

Well for that there are the IMSS pensions. These pensions are granted to workers who have reached a certain age and can no longer work, but not only that, they are also granted in the case of work accidents that incapacitates the worker to continue with their employment.

Also when the worker develops an illness caused in some way by exercising his profession. Or in the event of the death of the worker, it is granted to his family.

Pensions are benefits that are designed to take care of the economic well-being of workers and their families. And these are given to workers who work in places that are affiliated with Social Security, which by law are all.

In order to qualify for them, certain requirements have to be met, depending on the type of pension, some are for old age and others for accidents that may have occurred while carrying out the work. But all have a common goal, to provide an economic remuneration for the benefit of workers.

Pensions are benefits provided by social insurance in case the worker can no longer perform their duties and are law.

With them the employees can have a financial support to cover their needs and not have the worry that they can continue to receive a salary.

This is very good since many times things happen that prevent the follow-up of the work, or simply that the worker has reached an age in which his performance may not be the same and it is time for the labor retirement to take place.

The objective of this article is to explain which types of pensions are granted by the IMSS, how to qualify them and what are the advantages they could have in the life of a worker.

In the case of accidents is unfortunate, but the good thing is that you are not alone or you are left homeless, pensions will help you to get ahead.

It is also important to mention that the type of pension varies according to the moment in which the worker began to be listed in the Social Security, there was a change in the Law and in the requirements to apply for the pension, which came when the Social Security Law current was the 1973 have a different model of pension to those who began to quote when the Social Security Act of 1997, these changes affect especially the IMSS pension for unemployment at advanced age or old age.

The other types of pension continue to function in the same way, under the statutes of the Social Security Act of 1973..


Image result for pension

The pensions granted by the IMSS are the following:

– IMSS tension due to unemployment in old age or old age.

This can be considered as the pension that allows retirement or retirement. The main requirement is that the worker has reached a certain age, which can range from 60 to 65 years. This type of pension is subdivided into workers who began to contribute under the mantle of the 1972 IMSS Law and what is now under the current Law of 1997.

In this pension there are two items in which you can qualify.

1. Unemployment in advanced age, which is when the insured is deprived of paid work as of sixty years of age.

2. Old age, which is when the insured is deprived of paid work as of sixty-five years of age.

Below we present a comparative table that explains the operation and characteristics of the two.

Social Security Act of 1973

Social Security Act of 1997

The pension is integrated based on the listed weeks, SBC of the last 5 years and the age of the insured.


In the case of the Unemployment pension in advanced age, the percentages that determine the amount of the pension are:


Age-Percentage of pension amount







Pension for old age integrates the following percentages


Age-Percentage of pension amount


ON Pensi is supported by the Retirement Funds Administrators (Afores) or a previously selected Aseguradora and rights will have to choose between two options:




It is the contract agreed between an insurer and the applicant, where the amount of the monthly installment is determined in life form.

These payments will be adjusted to n y ear with a acurdo not of NCPI.


For the calculation of the amount c to the amount previously derived Survivorship Insurance is deducted in favor of the beneficiaries. The survival insurance is used to grant a pension to the beneficiaries of the worker in case of death.


Programmed Withdrawal


In this modality, the funds are not transferred to an insurer and remain the property of the person   under the administration of the Afore.


Came calculation for programmed retirement in the first instance be covered payment   Survival insurance for economic dependents, subsequently   c calculation of the amount to annual withdrawal is made, with the same equivalent to the amount resulting from dividing the account balance between unifying factor annuity. The monthly payment corresponds to the twelfth part of the annual retirement.


In the programmed withdrawal, the sums or amounts of the sub-account are updated based on the yield generated during the period minus the commission that the Afore pays.

You can apply for a three-month pension with no interest rate.

There are no loans.

You must have a minimum of 500 weeks of IMSS contribution.

From 1250 weeks of IMSS quote

The bonus is equivalent to one month of pension.

There is no bonus.

In case of death, an orphan’s and / or widow’s pension can be counted.



In case of Programmed Withdrawal. if the pensioner dies the remaining funds may be inherited from the beneficiary.


In the case of Life Annuity, the beneficiaries acquire a pension from the insured as long as they meet the established criteria.

There will be medical service and access to recreational and sports facilities of the Mexican Institute of Social Security.





-IMSS stress for work risk.

This type of pension protects workers from the risk that their work may have, and provides financial support in case of having an accident or contracting a disease that could be caused by their work.

Also, if the worker dies for any of these reasons, the beneficiaries will be granted one of the following pensions.

Type of pension

Amount of pension

IMSS pension for widowhood

90% Of the disability pension.

Orphan’s pension IMSS

20% of the disability pension.

IMSS Pension for Ascendants

N / A


** Source: IMSS Pensions

-IMSS stress due to illness.

These are granted to workers who, in compliance with their work, developed a disease or pathology that is considered within the Federal Labor Law.

-Permanent IMSS-disability.

In the Social Security law, disability is considered when the insured is in a physical or mental state which prevents him from having a job with remuneration equal to or greater than 50% of the activity he performed during the last year of work, provided that when that impossibility is caused by a non-professional illness or accident.

A legal doctor belonging to the Mexican Social Security Institute is in charge of determining the state of disability of the insured.

The types of disability stipulated in the Social Security Law are:

1. Partial Disability: When the insured is in the possibility of returning to work life

2. Definitive invalidity When the insured has a condition that is extended indefinitely and in such a way that it makes it impossible to return to his work life

-IMSS tension for widowhood.

This is granted to the beneficiaries in case the worker or pensioner dies and according to the Social Security Law will be granted from the death of the worker, regardless of the cause or circumstances of the death.

– IMSS Orphan

In the Social Security Law, the IMSS Orphanage pension will be entitled to receive an orphan’s pension for each of the children under the age of sixteen, when the father or mother dies and any of them would have had the character of insured, and prove they have before the Institute a minimum of one hundred and fifty weekly contributions or having had the status of pensioners due to disability