Modality 40 of the Mexican Social Security Institute (IMSS) has new requirements as of today, October 22, 2026; authorities announced that several changes have gone into effect, among them, and the one that has drawn the most attention, is that those applying to enroll will no longer be able to freely choose a salary of up to 25 UMAs; here we tell you all the modifications related to the voluntary continuation scheme in the mandatory regime.
People looking to increase their IMSS pension through Modality 40 must take into account the changes published in the Official Gazette of the Federation (DOF).
The agreement of the IMSS Technical Council went into effect on October 22, 2026. However, people who are already enrolled will maintain their current conditions until the contracted period ends.
How much will be paid for IMSS Modality 40 in 2026?
Before the changes, individuals could choose a contribution salary of up to 25 times the Unit of Measurement and Update (UMA).
For those applying to join starting October 22, that previous maximum amount no longer functions as a salary they can choose freely. The new agreement limits the enrollment salary to the last base contribution salary registered at the time of termination, plus one UMA, and establishes that the result cannot be lower than the general minimum wage in effect for the rest of the country.
What is the UMA and how much is it worth?
The Unit of Measurement and Update (UMA) is the economic reference in pesos used in Mexico to calculate the payment of obligations, fines, taxes, credits, and benefits, instead of using the minimum wage.
In 2026, one UMA is equivalent to $117.31 pesos in its daily value, according to official data from the National Institute of Statistics and Geography (INEGI).
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What changes did IMSS Modality 40 have in October 2026?
- Nuevo límite salarial: para las nuevas solicitudes, el salario de cotización se determina con base en el último salario registrado al causar baja, más una UMA, sin que sea inferior al salario mínimo general aplicable.
- Fin de los pagos retroactivos: la incorporación se realiza a partir de la fecha de solicitud, por lo que ya no se podrán cubrir periodos anteriores mediante una inscripción retroactiva.
- Trámite digital: las nuevas incorporaciones deberán realizarse mediante los mecanismos digitales establecidos por el IMSS.
- Protección para personas ya inscritas: quienes ya se encuentran en la Modalidad 40 conservarán sus condiciones actuales hasta que concluya el periodo contratado.
Who can enroll in IMSS Modality 40?
Modality 40 allows people who stopped contributing in a formal job to continue making contributions to Social Security. Among the general requirements that must be checked are:
- Haber causado baja del régimen obligatorio del IMSS.
- Contar con al menos 52 semanas cotizadas en el régimen obligatorio durante los cinco años previos a la baja.
- Solicitar la incorporación dentro del plazo legal aplicable, que generalmente es de hasta cinco años desde la baja.
- Cumplir las condiciones de inscripción y cotización establecidas por el Instituto.
What documents do I need to carry out the Modality 40 procedure?
-CURP
-Social Security Number (NSS)
-Email address.
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