Many began their working lives when they were very young, and for various reasons, such as working on their own in the informal sector or having moved to another country, they entered the Mexican Social Security Institute (IMSS). Stopped contributing and only a few weeks of contribution…
Naturally, in most of these cases there is no longer the so-called protection of IMSS rights, which is a fundamental requirement to be able to retire. However, because this is the condition of millions of people both in Mexico and outside the country, the so-called modus operandi is 10.
The scheme began as a pilot program in 2020 and was born precisely so that independent workers or domestic workers, as well as Mexicans abroad, could enter the program, not only from the IMSS by paying a fee Allows to get medical services, but also helps in getting pension.
This option is good for those who are not registered with IMSS by an employer, are freelancers, drivers for an application, sell handicrafts or do any independent work. This is good because even in the case of Mexicans working in the United States, they can contribute to their pensions in Mexico.
Modality 10, IMSS option to retire without an employer:
The pilot program for independent workers, known as Modality 10 IMSS, is an initiative of the Mexican Institute of Social Security (IMSS), designed for people who are self-employed and not covered by any social security institution are not affiliated.
This instrument is targeted towards various professionals, businessmen, artisans and non-salaried people who want to get social security benefits.
To simplify the process of voluntary inclusion in the compulsory regime, IMSS has developed a comprehensive scheme which offers a number of advantages.
One of the main advantages of Modality 10 IMSS is health and maternity insurance. This insurance provides medical, surgical and drug support as well as hospitalization services for non-occupational ailments.
In addition, it covers disability payments and provides maternity care in case of stillbirth. Similarly, assistance in kind for 6 months for breast feeding and for funeral expenses if required is provided.
Another relevant benefit is disability and life insurance, which provides benefits in the event of non-occupational accidents or illnesses that prevent the employee from continuing his or her work. This insurance allows you to receive more than 50% of the salary received during the previous working year.
The IMSS modality 10 also considers retirement, unemployment and old-age insurance in advanced age, which can provide pensions to workers who meet the contribution period, that is, the weeks contributed and the age required by insurance law social. It is ideal for Mexicans who are in the United States or other parts of the world.
Unemployment requires a minimum age of 60 years, while old age is set at 65 years or more. In addition, it is required to contribute at least 800 weeks in 2023, with an annual increase of 25 weeks until 1,000 is reached.
Modality 10 IMSS also includes daycare insurance and social benefits. Employees registered in this system will be able to access health, education and recreation services for their children, including care, cleaning and meals.
This is applicable both to the children of the working woman and to the children of the widowed or divorced employee who has the custody of the minors. If you are interested in Modality 10, you should know the requirements to join.
Enrollment in Modality 10 IMSS is a simple process that can be done online. To do this, you must have documents such as CURP, RFC, Social Security Number (NSS) and personal email. This information will be requested in order to complete the registration process through an online form.
You should know that once you have enough quoted weeks within the 40 modality, you can opt for the 40 modality to last five years, either the full five or a part of those 250 weeks.
This, because Modality 40 allows you to contribute with a higher salary to improve your average pension. As you can see, it is possible to get a pension in Mexico and keep it high, by taking the right steps, doing it on time and with a plan.