IMSS: How many weeks of contributions do they take away from you for unemployment aid and how to recover them?

In Mexico, millions of workers have resorted to partial withdrawals from your Afore to face economic adversities derived from unemployment. Although this option offers immediate financial relief, it has profound implications for the worker’s future pension, including reduction of the accumulated amount and the loss of weeks of contributions.

These withdrawals can negatively impact the time and money accumulated for retirement, resulting in a lower pension and a delay in meeting the requirements to withdraw in accordance with the provisions of law.

How many weeks of contributions do they take away from you for unemployment aid?

For each withdrawal, the number of weeks of contributions that are deducted depends on the worker’s salary; For example, A withdrawal of 10,000 pesos could result in a reduction of up to 60 weeks. You must do this calculation at the time of withdrawal, with the help of an advisor, to have the exact figure according to your case.

When a worker makes an unemployment withdrawal, not only decreases the amount of resources in your Afore accountbut also reduces your number of weeks paid.

According to IMSS regulationsfor pensioners under the law of 1973 requires 500 weeks of contributions, while for those under the 1997 law the requirement has increased from 825 weeks in 2024, same as will be increased to one thousand weeks due to recent reforms.

How to recover weeks of IMSS contributions after unemployment withdrawal?

Fortunately, there is a process to recover quoted weeks. Workers who wish to repay the money withdrawn must initiate a specific procedure with their Afore. This process includes the following steps:

Visit the corresponding Afore: To begin the process of recovering weeks contributed to the IMSS after withdrawal due to unemployment, it is necessary to go to the administrator that manages the individual account to request the process of refunding resources or weeks contributed.

Documentation presentation: The worker must present his official identification, Social Security Number (NSS) and a biometric file.

Analysis of the request by the Afore: The administrator will evaluate the request and determine the amount that the worker must pay to reimburse the money withdrawn and recover the weeks contributed.

Choice of refund period: The worker can choose to repay the amount in a single payment or in installments, without generating interest. It is advisable to complete this procedure before starting the retirement process.

Notification to IMSS: Once the process is completed, it is crucial to notify the IMSS about the recovery of the contributed weeks, since this information is essential for the worker’s future pension.

Amounts and conditions of unemployment retirement

The National Commission of the Retirement Savings System (Consar) establishes that workers with at least five years of contributions can withdraw the lesser of 90 days of the base contribution salary of the last 250 weeks or 11.5% of the resources accumulated in the retirement, unemployment in advanced age and old age subaccount.

This amount is released within five business days following approval of the request. However, The worker must be aware that it is necessary to recover weeks contributed to the IMSS after retirement due to unemployment, reintegrating said resources.

To carry out the procedure, It is necessary for the worker to appear at the Afore offices with an official identification, a bank account statement, the Unique Services Code (CUS) generated on the AforeWeb portal, and ensure that you have been unemployed for at least 46 calendar days, have the Afore open for three years and have contributed for at least least two years.

It is important that workers maintain their Identification File updated and inform their beneficiaries about the existence of the accounts to facilitate any future claims.

Proactive management and complete knowledge of these processes are very important to ensure a stable financial future and maximize benefits during retirement.

Journalist with more than 15 years of experience in print and digital publications. I am currently editor of Debate.com.mx. I have a degree in Communication Sciences. I have covered diverse information sources, especially from the business areas. I usually write about personal finances, retirement, pensions, IMSS, employment, money, currencies, credits, entrepreneurship, insurance, technology, science and scientific studies in areas such as health. I like social networks, reading about marketing, SEO and literature, especially topics of politics and history. In 2018 I had to start mibolsillo.com and since then I have ventured into digital journalism.

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