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Pension question, Mexico

When does an AFORE account move to the Fondo de Pensiones para el Bienestar?

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. The balance then sits in a Banco de Mexico trust, and the IMSS route to it starts with attending a Subdelegacion in person.

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What to do next

  1. Work out the year you turn seventy.
  2. Find your NSS social security number or your CURP on old papers.
  3. Run our free check to see which other countries set a clock on your pension.

Check your own working life for free

Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.

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Questions people also ask

Does the right to the money expire?

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.

Do you give advice on what to do?

No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.