The IMSS Modality 40 allows workers registered in the Mexican Social Security Institute can increase the base salary with which they are trading in order to achieve a pension higher, taking an appropriate strategy.
Through Modality 40, it will be you as a worker who will carry out voluntary contributionsyes This means that you are outside the mandatory regime where it is an employer who makes these payments to the Mexican Institute of Social Security (IMSS).
What do I need to enter IMSS Modality 40?
The requirements to enroll in the Voluntary Continuation in the Compulsory Regime of the IMSS, are the following:
- Do not add more than 5 years from the last contribution in the mandatory regime, that is, registered by an employer.
- Have contributed 52 weeks in your last employment relationship in the mandatory regime.
- Not be retired in the field of disability, unemployment or old age.
- Written with free wording for registration to modality 40.
- Official document with social security number.
- Proof of address.
- Official identification.
- curp
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How much does Modality 40 cost?
The minimum salary with which you can contribute within Modality 40 cannot be less than the last one you had registered with the IMSS working with an employer. In 2022the fees are as follows:
Level – Salary – Cost
1 $96.22 $294.86
2 $192.44 $589.72
3 $288.66 $884.59
4 $384.88 $1179.45
5 $481.1 $1,474.32
6 $577.32 $1,769.18
7 $673.54 $2,064.04
8 $769.76 $2,358.91
9 $865.98 $2,653.77
10 $962.2 $2,948.64
11 $1,058.42 $3,243.5
12 $1,154.64 $3,538.37
13 $1,250.86 $3,833.23
14 $1,347.08 $4,128.09
15 $1,443.3 $4,422.96
16 $1,539.52 $4,717.82
17 $1,635.74 $5,012.69
18 $1,731.96 $5,307.55
19 $1,828.18 $5,602.41
20 $1,924.4 $5,897.28
21 $2,020.62 $6,192.14
22 $2,116.84 $6,487.01
23 $2,213.06 $6,781.87
24 $2,309.28 $7,076.74
25 $2,405.5 $7,371.6
Remember that to enter Modality 40 you are not obliged to pay it for five years. You can hire her for just one year, or hire her for two years, depending on what works best for your pension goal.
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Beware: In addition to putting money into your pension by Modality 40 with a higher salary than you had, that will increase your average salary for the last 250 weeks, which are the ones that are taken into account for the payment of your pension.
Another benefit of Modality 40, is that contributing through it not only allows you to increase the contribution salary, but also helps you increase the number of weeks contributed, which are a very important pillar when determining your pension.
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Modality 40 does not allow you to modify the initial fee with which you contracted, therefore, try to make it one that you can really pay, because later you will not be able to lower it if you get stuck in the payments. In addition, two payment failures are enough for you to be discharged.
It also analyzes the possibility of making a retroactive payment of a single exhibition of Modality 40, which is already another option that IMSS grants you as part of your rights. Do not forget that another key element to determine the percentage of pension to receive is related to your retirement ageas explained below:
Retirement age Pension percentage
60 years 75%
61 years 80%
62 years 85%
63 years 90%
64 years 95%
65 years 100%
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If you are close to reaching your pension years and your employer has registered you with a lower salary than nanas, it is best that you understand that this can affect you in the long run, therefore, try to negotiate so that you are registered with the employer. correct salary.
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