Question 1

Apply for Modalidad 40 (Continuación Voluntaria en el Régimen Obligatorio, CVRO) within 5 years of the date insured employment ended: what starts the clock and how long does it run?

Accepted Answer

The fecha de la baja, meaning the date the person stopped being insured under the mandatory regime. Within the last 5 years counted from the date of the baja, per the document's own example a baja on 8 September 2020 gives a filing deadline of 8 September 2025. the source does not state what happens if this is missed.

Question 2

Claim an old age, cesantía or invalidity pension before the conservación de derechos period expires after leaving insured employment: what starts the clock and how long does it run?

Accepted Answer

The person's baja laboral, meaning the date insured employment ends. For a period equal to la cuarta parte del tiempo total cotizado (one quarter of the person's total contributed time) En NINGUN caso se puede otorgar una pension si el asegurado ha salido de la conservacion de derechos aunque reuna las semanas cotizadas y la edad o el dictamen medico, meaning no pension can be granted once the person is outside the conservación de derechos period, regardless of otherwise meeting the contributed weeks and age or medical opinion requirements.

Question 3

The institution that certifies a person's pensioner status sets the periodicity for that person to pass the revista de supervivencia (survival check) at the consulate.: what starts the clock and how long does it run?

Accepted Answer

The source does not state a specific trigger date; the page states only that la institucion que acredita la condicion de pensionado al interesado establece la periodicidad (the certifying institution sets the periodicity). On the periodicity (periodicidad) set by the pension-paying institution; the consulate page does not itself state a fixed number of months or years that applies to all pensioners. El incumplimiento de este requisito puede implicar la suspension del pago de la pension, meaning failure to comply with the survival check requirement can result in suspension of the pension payment.

Question 4

The right of a worker or pensioner, and where applicable their beneficiaries, to receive the resources of the Subcuenta de Retiro, Cesantía en Edad Avanzada y Vejez does not itself expire.: what starts the clock and how long does it run?

Accepted Answer

The point at which the resources or the monthly payment become exigibles (claimable), counted by calendar year for monthly pension amounts. 10 years (diez años) after the resources or amount became exigible. El Instituto podra disponer de dichos recursos sin necesidad de resolucion judicial, siempre que constituya una reserva suficiente para atender las solicitudes de devolucion de los trabajadores, pensionados o beneficiarios, meaning IMSS may take possession of the unclaimed funds without a court order, though it must keep a reserve to still honor refund requests.

Question 5

IMSS has dropped the in-person survival check at its counters, but pensioners who live outside Mexico must still carry out the comprobación de supervivencia electronically at the nearest Mexican consulate or embassy.: what starts the clock and how long does it run?

Accepted Answer

Living abroad while drawing an IMSS pension; the page states the obligation continues ("deberás seguir realizando") without giving a start point. The source does not state a frequency or a date. The page states only that a pensioner living abroad must continue to carry out the comprobación de supervivencia electronically at the consular office. the source does not state what happens if this is missed.

Question 6

Under Article 302 of the Ley del Seguro Social as reformed on 30 April 2024, the AFORE must transfer the account to the Fondo de Pensiones para el Bienestar when the holder turns seventy, unless the holder has an active Mexican job.: what starts the clock and how long does it run?

Accepted Answer

The account holder's seventieth birthday. At age seventy. The balance leaves the AFORE for a Banco de Mexico trust, reached through an in person IMSS route.

Question 7

For a pension application signed in 2026 under the 1997 Social Security Law, IMSS's own official application form requires 875 contribution weeks; the figure reaches 1,000 in 2031.: what starts the clock and how long does it run?

Accepted Answer

The calendar year in which the pension application is signed. 2026: 875 weeks. 2025: 850. 2027: 900. 2028: 925. 2029: 950. 2030: 975. 2031: 1,000. the source does not state what happens if this is missed.

Mexico pension deadlines for people who left

Apply for Modalidad 40 (Continuación Voluntaria en el Régimen Obligatorio, CVRO) within 5 years of the date insured employment ended

Claim an old age, cesantía or invalidity pension before the conservación de derechos period expires after leaving insured employment

The institution that certifies a person's pensioner status sets the periodicity for that person to pass the revista de supervivencia (survival check) at the consulate.

The right of a worker or pensioner, and where applicable their beneficiaries, to receive the resources of the Subcuenta de Retiro, Cesantía en Edad Avanzada y Vejez does not itself expire.

IMSS has dropped the in-person survival check at its counters, but pensioners who live outside Mexico must still carry out the comprobación de supervivencia electronically at the nearest Mexican consulate or embassy.

Under Article 302 of the Ley del Seguro Social as reformed on 30 April 2024, the AFORE must transfer the account to the Fondo de Pensiones para el Bienestar when the holder turns seventy, unless the holder has an active Mexican job.

For a pension application signed in 2026 under the 1997 Social Security Law, IMSS's own official application form requires 875 contribution weeks; the figure reaches 1,000 in 2031.