Everything you need to know about the IMSS pension for April 2025, including the exact payment date, eligibility under Law 73 and 97, tax thresholds, and how to increase your pension with Modalidad 40.
IMSS Pension Coming in April 2025: As April 2025 approaches, many retirees across Mexico are eagerly awaiting their next pension payment from the Instituto Mexicano del Seguro Social (IMSS). Whether you’re a pensioner, a family member, or a soon-to-be retiree, understanding when and how these pensions are paid—and how they’re calculated—is essential for effective financial planning. In this comprehensive guide, we’ll walk you through everything you need to know about IMSS pension payment for April 2025, including the exact payment date, who qualifies, how the pension amount is determined, tax implications, and strategies for increasing your pension.
IMSS Pension Coming in April 2025
Understanding how the IMSS pension system works is crucial for a comfortable and stress-free retirement. With the April 2025 payment confirmed for April 1, and tools like Modalidad 40 and the Fondo de Pensiones del Bienestar, retirees have more options than ever to optimize their financial future. By staying informed and planning ahead, you can make the most of your pension benefits—ensuring a secure and dignified retirement.
| Aspect | Details |
|---|---|
| April 2025 Payment Date | Tuesday, April 1, 2025 |
| Eligibility Criteria | – Law 73: 500+ weeks of contributions; ages 60-65- Law 97: 850+ weeks as of 2025; ages 60-65 |
| UMA Value (2025) | Daily: MXN 113.14Monthly: MXN 3,439.46Annual: MXN 41,273.52 |
| Taxation Threshold | 15 UMAs (approx. MXN 51,592/month) |
| Modalidad 40 Rate | 13.347% of salary, capped at 25 UMAs |
| Official IMSS Portal | imss.gob.mx/pensiones |
Understanding the IMSS Pension Coming in April 2025
What Is IMSS?
IMSS is Mexico’s largest public institution providing healthcare and social security, including pensions for private-sector workers. The IMSS pension is a critical retirement income stream for millions of Mexican families.
Pension Schemes: Law 73 vs. Law 97
Your pension scheme depends on when you started contributing:
Law 73 (Before July 1, 1997)
- Eligibility: Minimum 500 weeks of contributions
- Retirement Age: Early at 60, full at 65
- Pension Type: Based on the average of your last 250 weeks’ salary
This system offers a defined benefit pension, which provides greater certainty.
Law 97 (After July 1, 1997)
- Eligibility: 850 weeks required as of 2025
- Pension Type: Based on your AFORE retirement account
- Retirement Age: Same (60 early, 65 full)
Law 97 follows a defined contribution model, where your pension depends on your savings and investment returns.
April 2025 Pension Payment Date
According to IMSS, April 1, 2025, is the official date when pensions will be deposited. Since it falls on a Tuesday, pensioners will not face delays from weekends or holidays.
Pension payments are typically made on the first business day of each month. If the 1st falls on a weekend or holiday, payment is advanced.
How Pension Amounts Are Calculated?
For Law 73
- Formula: Final pension = Average salary of last 250 weeks × Replacement rate × Bonuses
- Example: A person earning MXN 10,000 on average may get between MXN 5,000–7,000 monthly, depending on age, bonuses, and years of service.
For Law 97
- Calculated based on:
- Total saved in your AFORE
- Annuity rates
- Life expectancy
- Survivor benefits (if applicable)
UMA Value and Its Importance
The Unidad de Medida y Actualización (UMA) is a reference used for calculating pensions, taxes, and social benefits. In 2025, it is:
- MXN 113.14 per day
- MXN 3,439.46 per month
Many pensions, especially under Law 73, are capped at a multiple of UMA values. For example, pensions above 15 UMAs (~MXN 51,592) are taxable.
Are IMSS Pensions Taxed in 2025?
Yes, pensions that exceed 15 UMAs per month will be subject to income tax under Mexico’s tax code. However, most average retirees are below this threshold.
Example:
- Pension = MXN 60,000/month
- Taxable amount = MXN 8,408 (above the 15 UMA exemption)
Plan ahead if you’re near or above this cap, as this may affect your net pension income.
Increasing Your Pension with Modalidad 40
What is Modalidad 40?
It allows former IMSS contributors (mainly under Law 73) to voluntarily continue paying into their retirement to improve benefits.
Benefits:
- Increases your average salary and contribution weeks
- Boosts your final pension amount
2025 Details:
- Rate: 13.347% of your chosen salary base
- Max Base: 25 UMAs (~MXN 85,986/month)
- Eligibility:
- 52 weeks of contributions in the past 5 years
- Apply within 5 years of exiting IMSS
New Reforms: Fondo de Pensiones del Bienestar
In 2024, the Mexican government introduced this fund to improve pensions for workers earning below MXN 16,777/month. It aims to provide 100% salary replacement by supplementing pensions using:
- Inactive AFORE accounts
- Public funds
- State contributions
This measure is particularly beneficial for low- and middle-income earners.
Frequently Asked Questions (FAQs)
1. When will the IMSS pension be paid in April 2025?
Your pension will be deposited on Tuesday, April 1, 2025.
2. Can I apply for Modalidad 40 if I’m still working?
No. You must have left the formal workforce under IMSS to qualify.
3. Is there an age limit for receiving an IMSS pension?
You can retire as early as 60, but full pension benefits apply at 65.
4. What if I have both Law 73 and Law 97 weeks?
Your pension is calculated based on the law under which you have most weeks. A combined model may apply with specific IMSS approval.
5. How do I check my pension balance or eligibility?
You can visit imss.gob.mx or call 800 623 2323 (Option 3) for assistance.
