Overview

This guide is a comprehensive manual for Mexican workers who contributed to the IMSS before July 1, 1997, allowing them to navigate the retirement process under Law 73 and maximize their pension amount. The document details the fundamental requirements, such as the minimum 500 weeks of contributions and the retirement age, and explains in depth how the pension is calculated, highlighting that the total number of contributed weeks and, crucially, the average salary of the last five years, are the determining factors. A central pillar of the guide is the concept of ""Conservation of Rights,"" which protects those who stopped contributing, and ""Modality 40"" (Voluntary Continuation in the Mandatory Regime) is presented as the most powerful investment strategy. Through it, workers can make voluntary contributions with a high salary during the years prior to their retirement, exponentially increasing their salary average and, therefore, the amount of their lifelong pension. Finally, it offers a practical roadmap regarding the necessary documentation and the steps to follow to request the pension, emphasizing the urgency of early planning to ensure a dignified and financially solid retirement.

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