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If you are close to retirement and looking to increase your Mexican Social Security Institute (IMSS) pension, Modality 40 can be one of the alternatives to improve the salary used to calculate your pension. Do you know what requirements the institute asks for to apply for it? Here we share all the details of this procedure so that you too can retire with more money.
Hundreds of workers have questions about what IMSS Modality 40 is, especially how much it costs, how many weeks you need, what salary you can choose, and if it really allows you to obtain a higher pension amount.
¿Qué es la Modalidad 40 del IMSS?
Modality 40, whose official name is Voluntary Continuation in the Mandatory Regime, allows certain workers who stopped contributing as employees to continue making contributions to the IMSS on their own.
Requisitos para inscribirse a la Modalidad 40 del IMSS
- Contar con un mínimo de 52 semanas acreditadas bajo el régimen obligatorio en los últimos 5 años anteriores a la baja
- Realizar el trámite mediante solicitud por escrito dentro de un plazo no mayor a 12 meses a partir de la fecha de baja
- CURP
- Número de Seguridad Social (NSS)
- Correo electrónico.
Documents at the Sub-delegation:
- Identificación oficial vigente (Original y una copia)
- Escrito libre solicitando la inscripción en la continuación voluntaria en el régimen obligatorio, con firma autógrafa o huella digital (Original y una copia)
- Comprobante de domicilio (Original y una copia).
¿Cómo tramitar la Modalidad 40 del IMSS en 2026?
The procedure can be carried out in person or online. To start the process online, the IMSS requests, among other data, your CURP and a valid email address. There is also an in-person option at the corresponding sub-delegation.
¿Quién puede inscribirse a la Modalidad 40 en 2026?
According to the IMSS, it can be done by:
-The insured person who was deregistered from the mandatory regime or, where applicable, the person they authorize to carry out the procedure with a power of attorney.
-Workers who have been deregistered from the mandatory IMSS regime.
¿Cuántas semanas necesito para entrar a Modalidad 40?
To enroll in Modality 40, the key requirement is to have 52 weeks of contributions in the five years prior to your deregistration.
¿Cuánto cuesta la Modalidad 40 en 2026?
The cost is not a fixed amount for everyone: it depends on the salary you decide to contribute with and the applicable fee in 2026. The contribution is calculated based on the chosen base contribution salary, respecting the limits established by the IMSS.
¿Puedo entrar a Modalidad 40 si todavía estoy trabajando?
Modality 40 is designed for people who have already been deregistered from the mandatory regime.
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