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If you are about to retire and want to increase the amount of money you will receive per month, it is important to know that there is a mechanism that can help you significantly increase the amount you will collect, up to 17 thousand pesos; learn about the process and paperwork you must carry out, as well as the requirements you need to meet to be able to access this benefit.
After working for so many years, thousands of workers seek to receive a pension that helps them live with dignity in retirement; however, the amount to be received is not always what they desire, which is why they look for alternatives to help them.
In this sense, there is the Pension Fund for Well-being (FPB), which is a public trust created by the Secretariat of Finance and Public Credit and administered by the Bank of Mexico, which aims to supplement the pension amount of workers who contributed exclusively under the regime of the 97 Law of the Mexican Social Security Institute (IMSS), seeking to match the pension granted to the average salary of the last year of contributions, up to an established limit.
Who can receive more than 17 thousand pesos in pension in 2026?
To access the supplement from the Pension Fund for Well-being through the IMSS, it is necessary to meet a series of conditions; the main requirements to receive the supplement charged to the FPB are:
- Inicio de cotizaciones a partir del la ley vigente de 1997: el trabajador debe haber iniciado sus cotizaciones a partir del 1 de julio de 1997; no aplica para quienes tengan el beneficio de la ley 73, incluyendo a quienes tengan derecho elección de régimen
- Edad mínima de 65 años: aplica exclusivamente para pensiones por vejez de la ley 97
- Resolución emitida desde mayo 2024: la resolución de pensión debe haberse emitido a partir del 2 de mayo de 2024; el primer pago del complemento es exigible a partir del 1 de julio de 2024
- Sin retiro de excedentes de CI: o haber realizado retiro de excedentes de la cuenta individual. Todo el recurso debe haberse empleado en el financiamiento de la renta vitalicia.
- Modalidad 40 genera derecho: los períodos en Modalidad 40 generan derecho al complemento, pero no se consideran para el cálculo del salario promedio de las últimas 52 semanas
- Pensión menor al salario certificado: el monto de la pensión debe ser menor al promedio mensual del salario base cotizado en el último año. Sin esta brecha no se genera complemento.
- INE vigente (original y copia)
- Copia certificada de acta de nacimiento (puede ser impresión de la versión digital, sin importar fecha de expedición)
- Documento bancario con número de CLABE interbancaria a nombre del titular
- Sólo cuando el domicilio no coincida con el INE, presentar original y copia del comprobante de domicilio a nombre del titular (vigencia máxima de 3 meses).
How much can the IMSS pension increase with the Pension Fund for Well-being?
The IMSS explains that the Fund seeks to bring the pension closer to the average salary of the last year of contributions, up to that limit. The figure has increased since the creation of the Fund:
2024: 16,777.68 pesos
2025: 17,364.90 pesos
2026: 17,885.85 pesos
The limit is updated annually according to expected inflation.
How many weeks of contributions do I need in 2026 to retire under Law 97?
In 2026, 875 weeks of contributions are required to meet the corresponding pension requirement under this regime.
How is the pension processed with the Pension Fund for Well-being?
The official website points out that “the supplement is granted automatically during the old-age pension process. It does not require a separate application”.
Can Law 73 receive this supplement?
No. The Fund is designed for pensioners under Law 97 who meet the established criteria.
[Publicidad]