By the time we all have to be prepared to face retirement and the last stage of our lives. Therefore, it is important that we know the types of pensions that exist in our country, and how we can ensure the future of our beneficiaries if some day we are missing.
In the following article you will find some of the answers to frequently asked questions about the pensions granted by the Mexican Social Security Institute so that you can be sure about your personal future and that of your loved ones if at any moment you need them.
But why is it so important to know the type of pensions granted by the IMSS? If you are a private sector worker, you may feel carefree about your financial future, but that is a mistake. You must take care of what will happen in the next years of your life so that you can live with dignity.
From the constitution of a retirement savings fund, to the constant verification of the amount of money that you contribute to the insurance, you have to fulfill the requirements so that the day comes, ensure a decent retirement and with a good economic benefit.
It is also advisable that, each time you change your job, you ensure that you are receiving the benefits properly either before the IMSS or the ISSSTE, in fact, if you have already worked for both services, you can also receive a pension .
Also, you have to think about all the factors that could happen in the future. It is not about becoming fatalistic but rather, being realistic. Death can come at any time and if that happens, you have to be prepared to protect the fate of your loved ones.
The pension, according to the IMSS “is an economic benefit intended to protect the worker when an accident occurs at work, to suffer a disease or accident not working, or to be at least 60 years of age.”
This benefit goes beyond that, in the event of the death of the worker or the pensioner, the latter can protect their beneficiaries as long as the requirements established by the Social Security Law are met.
In this way, the granting of the pension is made through a resolution that supports the right to payment of a monthly amount and access to medical services provided by the IMSS throughout the national territory.
What type of schemes determine pensions?
Currently, social insurance has two specific regimes that are determined based on the start date of your insurance quotes.
First, there is the 1973 Regime that applies to people who started contributing before July 1, 1997. The second is the 1997 Regime that applies to those who started their contributions as of July 1, 1997.
In this way, pensions are divided into 3 different groups:
- For the insured in relation to their age, they include unemployment in old age, old age and early retirement.
- For the worker upon the occurrence of an accident at work or suffering from a disease that includes Partial or Total Permanent Disability and Disability.
- For the beneficiaries of a worker or pensioner at the time of his death and who include widowhood, orphanage and ascendants.
Pensions for beneficiaries
In the event of the death of a pensioner or insured, the beneficiaries can apply for the pension.
The wife or husband, or the concubine or concubine of the insured or pensioner who has died can request a widow’s pension.
Only when the wife or husband is missing, can the pension be requested by the man or woman with whom the insured lived during the five years immediately preceding his death or with whom he had children, provided that both had remained out of wedlock in the concubinage.
In order to apply for a widow’s pension, the beneficiary must meet the following requirements:
The insured who has died should have 150 weeks of contribution at the time of death, except if the death occurred due to a risk of work. If you were a pensioner, you may have to prove that your rights are valid.
In addition, the spouse must prove the marriage bond or, if applicable, the relationship of concubinage. While if the death resulted from a work risk, there has to be an opinion from the institutional medical services.
This determination is established in the document “Permanent Disability or Death of Work Risk ST-3”.
In this way, the husband or concubinage has to prove economic dependence with the insured or the deceased.
While if the husband or widow wants the pension under the 1973 Scheme, he must prove total disability determined by the institutional medical services in a document called “Disability Beneficiary Opinion ST-6.
Finally, the pensioned beneficiaries will receive their pension in accordance with the regime to which the insured person belonged.
The orphan’s pension
When an insured dies and has children, they can be granted an orphan’s pension as long as a link is verified up to 15 years of age. In the event that the children are between 16 and 25 years old, they may be entitled to the pension as long as they prove their studies.
The only exception is that of the cases of children with a disability granted by the IMSS, they can receive the pension up to 25 years. In order to apply for this type of pension, the filial relationship must be proven with the insured or pensioner who died, and the age of the child must also be agreed upon.
In addition, the insured would have to have at least 150 weeks of contributions at the time of his death, and his rights would have to be valid in case of disability, retirement, unemployment in old age or old age.
In the same way, in case of death caused by an accident at work, or in case of disability of the descendants, each case will have to be accredited by the medical services of the IMSS and should be verified with the corresponding formats.
The pension for ascendants
This type of pension is given in those cases in which the deceased is insured and his father and mother still live. The only condition, or the main condition to be able to fulfill the delivery of this pension is that the insured did not have a spouse, children, concubine or concubine with the right to a pension.
With this type of pension your parents can ensure part of their future and in this way, if you are single and without children, you can ensure support for them. If this happened, they would have to prove their bond with you, and the economic dependence they have on you.
Through the IMSS website , the beneficiaries can obtain the forms they must submit to apply for any of the pensions that are delivered when an insured or pensioner dies.
Most of the procedures are performed in the clinic where the insured received medical attention, so it is probably a geographic option accessible to you.
So, now that you know everything you need to know about pensions for beneficiaries of the insured, you can worry about guaranteeing a heritage for your loved ones, or educate them so they know what they can do in case you miss them .
Remember that, to a large extent, financial problems within the home can be avoided as long as there is constant dialogue and there is always trust and planning for our future.