The Mexican Social Security Institute (IMSS) plays a key role in the social security of millions of workers in Mexico. In the field of pensions, those who contribute under the Law 73 regime, that is, those who They began doing so before July 1, 1997, They are assured of a minimum income in retirement. In this article, we address how much that minimum amount will be in 2025 and the factors that determine it.
What does Law 73 of the IMSS establish on pensions?
Law 73 regulates the pension system for workers who began contributing before the 1997 reform. This regime guarantees that even those with low average salaries or few weeks of contributions obtain a minimum pension.
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In 2025, the minimum guaranteed pension has been set at 9 thousand 412 pesos monthly. This adjustment is related to the increase in the minimum wage and considers the inflation reflected by the National Consumer Price Index (INPC).
The calculation of the pension under Law 73 depends on several key elements:
- Weeks of contributions: It is essential to have accumulated at least 500 weeks of contributions, equivalent to 10 years of contributions.
- Average salary: The average base salary of the last five years of contributions before retirement is taken into account.
- Retirement age: The age at which the pension is requested affects the percentage received. At age 60, 75% of the calculation can be accessed, while at age 65, 100% is granted.
These factors seek to guarantee a minimum income that allows maintaining purchasing power and meeting the cost of living during retirement.
Impact of the minimum wage on the 2025 pension
The IMSS ensures that no pensioner receives less than the current minimum wage. In 2025, this figure It will be 9,412 pesos per month. This means that if a pension calculation is less than that amount, it will automatically be adjusted to the minimum guaranteed amount. This mechanism is essential to protect retirees from economic variations and inflation.
However, this adjustment only applies to new pension applications made after the February 1 2025. Pensions granted before that date will be governed by the amounts established in 2024, which were 8 thousand 404 pesos monthly.
Who can benefit from the guaranteed minimum pension?
The minimum pension 9 thousand 412 pesos monthly It is intended for workers who meet certain basic requirements:
- Limited contributions: Those with few weeks of contributions, as long as they meet the minimum required.
- Low average salaries: Workers whose average salary in the last five years results in a calculated pension less than the current minimum wage.
This support allows even those who did not have long working careers to have an income that guarantees a basic level of well-being.
The pension system faces significant challenges. Although the guaranteed minimum pension is an advance, many people cannot obtain a sufficient pension due to low wages or insufficient weeks quoted.
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The Mexican government has expressed its intention to continue improving the pension system. This could translate into additional reforms that seek to increase the income of retirees and guarantee a decent quality of life.
Prepare your retirement in time
Retirement planning is essential for those who are under the Law 73 regime. Although 9 thousand 412 pesos is the minimum assured for 2025, It is important to evaluate your financial needs and goals to optimize your pension.
Regularly review your contribution history, consider additional savings strategies and, if necessary, seek expert guidance to ensure your retirement is as stable and satisfying as possible.
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