When you are a worker you have to analyze what kind of Modality It is convenient for you if you want to register as a beneficiary of the Mexican Social Security Institute (IMSS). Do you know the benefits and differences between the Modalities 10 and 40 of the IMSS? In Unotv.com We tell you which one suits you.
The IMSS has 15 modalities so that workers, whether temporary or permanent, can continue contributing to their pension and, in turn, can have access to all the medical benefits offered by the Institute.
The IMSS modality 40 is one of them. Belongs to the voluntary regimeIn other words, it allows you to make contributions on your own account, with the amount of money that you choose to contribute the amount of your pension to the Institute.
What are the benefits of Modality 40?
It was designed for those workers who began to contribute to the IMSS before July 1, 1997 in order to improve in two aspects:
- Increase the average salary of the last 5 years of contributions
- Add more weeks quoted before the IMSS
These two factors determine the amount of pension the worker will receivebut must meet the following requirements:
- Have contributed at least 52 weeks of work within the last 5 years prior to the date of leave
- Being an inactive worker who is not contributing to the IMSS
By stopping quote before the IMSSwith the mode 40 You can add weeks of contributions with each payment you make. In 2022 the cost of this modality is the equivalent of 10.075% of the salary with which you register.
What are the benefits of Mode 10?
The mode 10 is a scheme for permanent and casual workerswhich are incorporated into compulsory regime. It implies that the worker contributes to the IMSS on his own account what you would do if you had a pattern.
The intention is that these workers are entitled to all the benefits that an employee hasregardless of whether it had already contributed to the IMSS. In this way, you will begin to add weeks of contributions and you will not have the difficulty if you stop contributing for several years.
These workers are entitled to the same rights and benefits offered by social security, as domestic workers, a sector that has benefited from the mode 10.
Between the benefits of modality 10 is that the worker can contribute in all branches of insurance as:
- Work risk insurance
- Health and maternity insurance
- Disability and life insurance
- Retirement insurance, unemployment in old age and old age
- Childcare insurance and social benefits
You can register as beneficiaries your spouse, minor children or students and parents, if they are financially dependent on you. The mode 10 Respect the retirement system regime to which you belong.
Modality 10 costs you more than modality 40, but it covers more rights. With the above, you should evaluate what is the Modality that best suits you, depending on your own current situation and work history.