Starting January 2026, the IMSS Modality 40 program—a voluntary scheme under Mexico’s Ley 73 that boosts pensions—will see higher monthly contributions. While costs rise, experts stress that careful budgeting, prioritizing savings, and long-term planning can still make Modality 40 a powerful tool for securing a dignified retirement.
The Instituto Mexicano del Seguro Social (IMSS) has confirmed that Modality 40 contributions will increase in 2026, impacting thousands of workers who rely on this scheme to enhance their pensions. According to El Imparcial, Convocatorias México, and Ámbito, the adjustment reflects higher employer-like quotas now assumed directly by participants.
Modality 40, often called the “golden ticket” for retirees under Ley 73, allows voluntary contributions to raise the average salary base, thereby increasing pension payouts. However, with costs climbing, workers must reassess whether the investment aligns with their retirement goals.
Notable Updates and Major Takeaways
Cost increase: Monthly quotas rise in 2026, requiring higher out-of-pocket payments.
Ley 73 focus: Applies to workers who began contributing before July 1997.
Pension boost: Higher contributions can significantly increase retirement payouts.
Budget impact: Workers must calculate affordability before committing.
Planning tip: Combine Modality 40 with personal savings and investment strategies.
Expert advice: Consult financial planners to balance pension goals with current expenses.
Conclusion
While Modality 40 becomes more expensive in 2026, it remains a valuable pathway to a stronger pension. Success lies in careful financial planning, disciplined savings, and professional guidance—ensuring that higher costs today translate into greater security tomorrow.
Sources: El Imparcial, Convocatorias México, Ámbito