The Instituto Mexicano del Seguro Social (IMSS) has launched its new program, Mi Pensión Digital, aiming to expedite the pension process for older adults seeking their pensions due to unemployment or retirement. This initiative is part of IMSS’s strategy to make it easier for retirees to navigate their pensions online.
Before applying, interested seniors are advised to verify the consistency of their personal data across both IMSS and their AFORE accounts, along with ensuring they meet the requisite weeks of contributions. "El propósito de Mi Pensión Digital es agilizar e iniciar el trámite de finalización de la vida laboral a través de internet," states IMSS, highlighting the program’s intent to simplify the transition from active employment to retirement.
To initiate the process, the following information is needed to access the online application:
- Clave Única de Registro de Población (CURP)
- Número de Seguridad Social
- Correo electrónico
- Clave Bancaria Estandarizada (CLABE)
These details are required when entering the official website at www.imss.gob.mx/pensiones and selecting the “Proyección de Pensión” button. Alternatively, if opting for assistance at IMSS offices, applicants will need to provide:
- Active official identification with photo (both copy and original for verification)
- Birth certificate (authenticated copy or the official format acquired online)
- Bank statement, contract or document issued by the banking institution containing the CLABE account for pension deposits (copy and original for verification)
- If applicable, consult additional requirements for beneficiaries to secure family allocations.
Looking forward to retirement plans around 2025, workers need to be aware of the number of weeks of contributions required by the IMSS. The necessary weeks vary depending on the labor regime under which individuals registered: Ley 73 necessitates 500 weeks of contributions, whereas Ley 97 requires 850 weeks. This requirement will progressively increase, culminating at 1,000 weeks by 2031—"Este requisito aumentará progresivamente hasta llegar a mil semanas en 2031," notes IMSS. It’s imperative for individuals approaching retirement to check their current contribution records, which can easily be done through their AFORE.
Subsequently, pensioners will want to stay informed about the upcoming payment schedules set for March. Those receiving pensions from the IMSS will receive their monthly payouts on Monday, March 3, 2025. "Los pensionados que reciben el pago a través del Instituto Mexicano del Seguro Social recibirán su pago mensual el lunes 3 de marzo de 2025," the official announcement confirms. Meanwhile, ISSSTE pension payments are set to occur earlier, on February 27, 2025, also contingent on the salary level of the pensioners.
Currently, the Secretary of Welfare has yet to finalize the payment schedule for bimonthly pensions, which are expected for March 2025. Although details are still pending, the bimonthly payout is anticipated to be around 6,200 pesos, reflecting the increasingly important need for beneficiaries to remain attentive to official communication channels. "La Secretaría del Bienestar aún no ha anunciado el calendario de pagos que corresponde al pago bimestral de marzo 2025," outlines insights from the Secretary’s announcements.
Pensioners need to adapt to this new reality of fixed incomes, emphasizing the importance of managing finances judiciously. Here are some effective strategies for doing so:
- Establishing a budget: Carve out exact amounts from the pension.
- Calculates sources of income such as rental properties or investments.
- Classifying expenses: Separate fixed costs (like housing and medication) from variable ones (like entertainment).
- Being realistic and precise when estimating expenses, utilizing tools like spreadsheets or budgeting apps for tracking.
- Prioritizing expenses, particularly if debts exist, and working toward clearing them swiftly.
Attention to these details will not only prepare retirees for their impending financial obligations but will also empower them to thrive during their retirement years.