Asesoría Legal
How to get your pension before turning 60
Before going into the requirements that we must meet to retire before turning 60, it is important to know such basic aspects as the difference between retiring and pensioning, as well as the different types of pension.
Retirement: The term retire according to the dictionary of the Spanish language, is the action of having, due to old age, long services or impossibility, and generally with the right to a pension, the termination of the worker, in the exercise of a job within a company.
Retirement: It is the action of granting a person a periodic, temporary or lifetime amount, which social security pays due to retirement, widowhood, orphanhood, or disability.
That is, pensioning can be the result of retiring and this can be achieved by meeting the various requirements established by the various Social Security agencies in Mexico, being two different ages, as well as pensions, such as:
1) Pension from 60 to 64 years old for Unemployment in old age.
2) Pension from 65 years and older for old age.
These pensions can be granted by the IMSS, or ISSSTE, as well as by the different Social Security Institutions of the States, and the ISSFAM, in the case of the Mexican armed forces.
Jubilarse
Pensionarse
Pensión de los 60 a los 64 por cesantía
Pensión Ordinaria: Cuando la persona cesa en sus labores al alcanzar la edad estipulada por la ley, realizando un trámite administrativo, pactando las condiciones y el dinero.
Pensión de los 65 en adelante por vejez
Pensión Extraordinaria: Cuando sin alcanzar aun la edad estipulada por la ley, el trabajador debe pre3sdcindir del empleo por motivos de causa mayor, accidentes, discapacidad etc.
Modalidades de Pensiones
Texto de modalidades de pensión
La pensión no necesariamente se origina con la jubilación, con motivo de la edad avanzada de los trabajadores, es decir, existen diferentes modalidades de pensiones tales como:
-Pensión por riesgo de trabajo, por incapacidad permanente parcial o total.
-Pensión por enfermedades y maternidad
-Pensión por invalidez
Si se obtienen estas, con el paso del tiempo, si se llegan a cumplir los requisitos de las pensiones por jubilación, se puede cambiar o sustituir por estas últimas, las pensiones otorgadas, antes de cumplir la edad necesaria.
Quien puede solicitar un retiro anticipado
Early withdrawal text
The insured worker can request a pension before turning 60 years old, as long as:
- Have sufficient resources in your individual account to contract a life annuity with an insurer
- As long as the pension calculated in the life annuity system is more than 30% higher than the guaranteed pension that corresponds according to the weeks of contribution, base salary of contribution and at the age of 60 years.
- In case of having beneficiaries, their survival insurance is covered.
Requisitos para solicitar un retiro anticipado
Requisitos
- Haber causado baja en el régimen obligatorio de la Ley del Seguro Social.
- Tener registradas ante el IMSS, como mínimo, 1250 semanas de cotización.
account types
Individual Account: The one that will be opened for each insured in the Retirement Fund Administrators, so that they can deposit in it, the worker-employer quotas and, where appropriate, the state quota for retirement insurance, unemployment in advanced age and old age. , housing and voluntary contributions
Subaccounts
a) De retiro
b) Cesantía en edad avanzada y vejez
c) De vivienda
d) De aportaciones voluntarias
Pension
Life annuity or scheduled withdrawal.
a) Life Annuity: It is the contract by which the insurer, in exchange for receiving all or part of the resources accumulated in the individual account, undertakes to periodically pay a pension during the life of the pensioner.
Retiros Programados
a) Retiros programados: La modalidad de obtener una pensión, fraccionando el monto total o parte de los recursos de la suma asegurada, adicionada a los recursos de la cuenta individual, a favor de sus beneficiarios para otorgarles la pensión, ayudas asistenciales y demás prestaciones en dinero, previstas en los respectivos seguros, mediante la renta que se les asignara, después del fallecimiento del pensionado, hasta la extinción legal de las pensiones.
Constitutive Amount
Constitutive amount: It is the amount of money that is required to contract life annuity and survival insurance with an Insurance Institution.
Sum Insured.
Suma Asegurada: Es la cantidad que resulta de restar al monto constitutivo, el saldo de la cuenta individual del trabajador.
Riesgos Protegidos
Riesgos Protegidos: Retiro, Cesantía en edad avanzada, Vejez y muerte, de los pensionados en este seguro
Granting of Benefits
Granting of benefits: Requires compliance with waiting periods, measured in weeks of contributions, recognized by the Institute.
Certificates of medical incapacity for work, issued or recognized by the Institute, in contribution weeks, will be considered only for the granting of the guaranteed pension.
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