the Guaranteed minimum pension (PMG) under IMSS Law No. 97 It constitutes essential support for workers in Mexico who, upon reaching retirement age, are unable to accumulate sufficient credit in their lifetime before To access the annuity or scheduled withdrawal.
In 2025, this feature will offer a monthly amount that can vary between 3 thousand 414.56 and 10 thousand 732 pesoswith an average of 6500 pesos.
To access PMG, it is necessary to meet specific requirements for age and weeks of contributions, making this scheme a key safety net for those contributing under Act 97.
the BMG It was created to ensure that there is no contributing factor Mexican Institute of Social Security (IMSS) Since 1 July 1997, you will remain unprotected when you reach old age, even if your savings are at before It is not sufficient to fund a traditional pension.
According to National Committee for Retirement Savings SystemA guaranteed minimum pension is one that the state grants to people who meet the age requirements and, in 2025, at least 850 weeks of contributions, but whose resources are insufficient to contract an annuity or scheduled retirement.
This subsidy serves as a monthly basic income, financed by the state, for those who meet the requirements but do not reach the necessary amount in their individual account.
The quantity of BMG In 2025, it will range between $3,414.56 USD and $10,732.00 USD per month.
Estimated average is approx 6500 pesosalthough the exact number depends on individual factors such as
- the Age at retirement
- he The number of weeks mentioned
- he Basic salary contribution.
Moreover, the update Unit of Measurement and Update (UMA) It directly affects the final calculation. the National Committee for Retirement Savings System He emphasizes that the amount is adjusted annually according to the UMA, which may generate differences in the monthly income of the beneficiaries.
- To order BMG In 2025 the worker must:
- At least I contributed 850 weeksThis is a number that will increase gradually until it is reached 1000 weeks in 2031
- The minimum age requirement is 60 years old To obtain unemployment pension at advanced age 65 years old Regarding old age pension.
- Moreover, it is necessary to have Worker profile It has been updated
- She has a balance in the account before
- Submit corresponding documents, which include: Formal identification, Before the account statement Or proof of registration Bank statement with CLABE and Decision or rejection of pension issued by IMSS.
the IMSS Law No. 97 It covers three main approaches to pensions: Pension, Scheduled withdrawal and Guaranteed minimum pension. in PensionThe insured pays a lifetime pension, the amount of which depends on the accumulated balance in before It is updated annually for inflation.
he Scheduled withdrawal was contracted with before The amount of the pension is determined on the basis of available balance, earnings and calculated life expectancy; Payment is made until the funds are exhausted.
the BMGOn the other hand, it is activated when the worker reaches the age and number of weeks he contributed, but the balance is in before Access is not permitted through the other two methods. In this case, Federal government He pays the pension, while ensuring a basic monthly income.