IMSS Pension: Who will be the last to access Law 73?

Law 73 of the Mexican Social Security Institute has been the most attractive pension system for workers in Mexico for many years. This system offers benefits that far exceed those of the 1997 Law, such as a lifetime IMSS pension , annual increases tied to the minimum wage, access to medical services, and pensions for widows, orphans, and disabilities. However, this scheme, like most things, has an expiration date, and only one more generation will be able to retire under its conditions.

Who will be the last to access the IMSS Pension under Law 73?

The last workers to access Law 73 are Those who began contributing before July 1, 1997. In practical terms, these are people born in 1979 or earlier who began their working life before that date. These are the only ones who can retire under this regime, as long as they meet a series of requirements that we'll explain here.

Among the main points for accessing the pension under Law 73 are:

• Be at least 60 years old, with a gradual increase in the pension percentage until age 65
• Have a minimum of 500 weeks of contributions to the IMSS
• Maintain rights, which means that the period of sick leave does not exceed a quarter of the time worked.
• Not being affiliated with the IMSS at the time of applying for the pension

According to specialists and specialized sites such as Pensiones Plus, cited by El Universal , it is estimated that By 2035, most beneficiaries will have retired, practically marking the end of this regime, which will bring to an end an era in the issue of pensions in Mexico.

Why is Law 73 better for the IMSS Pension?

According to these specialists, one of the greatest advantages of Law 73 is the certainty it provides to workers, as it guarantees a lifelong pension backed by the state. In contrast, Law 97, in effect for all individuals who began contributing after July 1997, relies exclusively on individual savings in the Afore account and the returns it generates.

*With information from SUN

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Also read: IMSS Pension: When will the October 2025 payment fall? What's known right now

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