Based on the reforms made to the pension system of the Mexican Social Security Institute (IMSS) and the Institute of Security and Social Services of State Workers (ISSSTE), workers in the Mexican formal sector who They began contributing on July 1, 1997 and depend on their Afore account for their pension..
Under these circumstances, it is worth considering why the Requesting a partial withdrawal from the Afore account due to unemployment is not the best idea if you want to have a decent pension..
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And, in accordance with current regulations, When the worker requests a withdrawal from his Afore account due to unemployment, the weeks of contributions he had until that moment are reduced.
In this sense, the weeks of contributions that will decrease from the Afore will be proportional to the amount granted to the worker in the formal sector for unemployment.
“Although making partial withdrawals due to unemployment is a right of workers, it is very important that workers consider that this will represent a decrease in the balance of their retirement savings. On the other hand, these partial withdrawals also negatively affect the weeks of contributions since weeks of contributions are deducted each time an unemployment withdrawal is made. If workers do not reach the number of weeks they have contributed, they will not be able to access a pension,” it is detailed on the Afore Coppel.
In this way, when requesting a withdrawal of money from the Afore account due to unemployment, the worker in the Mexican formal sector You may not be able to reach the required number of weeks to retire..
However, it is important not to lose sight of the fact that the worker You will be able to replace the weeks that have been reduced by requesting a withdrawal from the Afore account due to unemployment as long as you work the required hours for this..
Requirements
So, to conclude, we leave you the requirements for a worker to request a withdrawal of money from their Afore account due to unemployment:
*Have been unemployed for at least 46 days.
*Have an Individual Account registered in an Afore.
*Not having exercised this right during the 5 years prior to the procedure.
*Have an updated Worker Identification File and a Biometric Enrollment of the worker.
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