{"id":184212,"date":"2026-10-30T07:22:49","date_gmt":"2026-10-30T13:22:49","guid":{"rendered":"https:\/\/lospoliticosveracruz.com\/?p=184212"},"modified":"2026-10-30T07:22:51","modified_gmt":"2026-10-30T13:22:51","slug":"imss-otro-escandalo","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=184212","title":{"rendered":"IMSS, OTRO ESC\u00c1NDALO"},"content":{"rendered":"
\n
\"\"<\/a><\/figure>\n<\/div>\n\n\n

Fanny Y\u00e9pez<\/strong>
La Columna<\/em><\/p>\n\n\n\n

Para evitar abusos y fraudes, el Instituto Mexicano del Seguro Social (IMSS), modific\u00f3 las reglas de la Modalidad 40 (a partir del 22 de octubre de 2026), debido al alto costo financiero de las jubilaciones y a la detecci\u00f3n de malas pr\u00e1cticas, simulaciones laborales y fraudes.
Las autoridades del IMSS explicaron los motivos principales y los ajustes de la siguiente manera:
Frenar el impacto financiero: el IMSS detect\u00f3 que el esquema estaba provocando un boquete de cientos de miles de millones de pesos, en los recursos p\u00fablicos destinados a las pensiones.
Pr\u00e9stamos y financiamientos de despachos o \u00abcoyotes\u00bb: se descubrieron financieras y asesores que otorgaban pr\u00e9stamos a los trabajadores (incluso pidiendo escrituras de inmuebles como garant\u00eda) para que pudieran pagar de manera retroactiva (hasta 5 a\u00f1os) las cuotas m\u00e1s altas de la Modalidad 40.
El objetivo de estos esquemas era elevar artificialmente (en m\u00e1s de un 1,000%) el \u00faltimo salario registrado de cotizaci\u00f3n, para obtener pensiones millonarias que terminaban representando un subsidio o \u00abcr\u00e9dito\u00bb, pagado con recursos p\u00fablicos del Estado mexicano.
Colusi\u00f3n con despachos e instituciones, el Gobierno federal y la Consejer\u00eda Jur\u00eddica de la Presidencia, iniciaron revisiones e investigaciones en contra de despachos de abogados y gestores, que lucraban facilitando estos accesos irregulares a pensiones elevadas.
Evitar abusos y fraudes: se identificaron redes de gestores, asesores y financieras que prestaban dinero a los trabajadores para que se dieran de alta con el tope m\u00e1ximo de 25 UMAs de forma retroactiva (hasta 5 a\u00f1os atr\u00e1s), inflando las pensiones en m\u00e1s de un 1,000% sin que fuera un ahorro real para el retiro.
Proteger los fondos p\u00fablicos, el director del IMSS, Zo\u00e9 Robledo, y el gobierno federal, se\u00f1alaron que estas pr\u00e1cticas representaban un cr\u00e9dito financiado indebidamente por el Estado.
Por lo tanto, si est\u00e1s cerca de jubilarte y pretendes utilizar la Modalidad 40 del IMSS para aumentar tu pensi\u00f3n, las nuevas reglas podr\u00edan cambiar tus planes. El acuerdo publicado el 21 de octubre de 2026 en el Diario Oficial de la Federaci\u00f3n (DOF), establece l\u00edmites al salario con el que puedes incorporarte, elimina las nuevas inscripciones retroactivas y modifica los tr\u00e1mites.
Pero antes de conocer los cambios, es importante saber qui\u00e9n puede registrarse a la Modalidad 40 y qu\u00e9 requisitos debe cumplir. Adem\u00e1s, si ya est\u00e1s pensionado, actualmente pagas esta modalidad o apenas planeabas inscribirte, tu situaci\u00f3n es diferente.
Resulta que una auditor\u00eda de 2024 revel\u00f3 que, el IMSS no detectaba oportunamente la falta de pago de las cuotas obrero-patronales en esta modalidad, identificando morosidades hasta 12 meses despu\u00e9s.
Se detectaron tambi\u00e9n, incongruencias y registros an\u00f3malos, esto provoc\u00f3 que se reportaran la existencia de registros y perfiles irregulares en las bases de datos del sistema, (como personas con edades incompatibles o con datos cruzados de manera indebida), que facilitaban la entrada al esquema sin una trayectoria laboral s\u00f3lida que lo respaldara.
Cr\u00e9ditos privados pagados con fondos del Estado, el IMSS se\u00f1al\u00f3 que estas pr\u00e1cticas convert\u00edan a las pensiones en un mecanismo, para saldar cr\u00e9ditos con financieras privadas, usando el presupuesto de las pensiones p\u00fablica
\u00bfQui\u00e9n puede registrarse a la Modalidad 40?
Para incorporarte a la Modalidad 40, tambi\u00e9n conocida como Continuaci\u00f3n Voluntaria en el R\u00e9gimen Obligatorio, debes cumplir con los siguientes requisitos:
Haber sido dado de baja del r\u00e9gimen obligatorio del IMSS. Es decir, ya no contar con una relaci\u00f3n laboral que te mantenga cotizando en ese r\u00e9gimen.
Tener al menos 52 semanas cotizadas en el r\u00e9gimen obligatorio durante los cinco a\u00f1os anteriores a la fecha de tu baja.
Solicitar la incorporaci\u00f3n dentro de los cinco a\u00f1os posteriores a tu baja, conforme al plazo establecido en la Ley del Seguro Social.
Por ello, se endurecieron las reglas para quienes se inscriben por primera vez, vinculando el salario de cotizaci\u00f3n a l\u00edmites basados en el \u00faltimo salario registrado y se elimin\u00f3 la posibilidad de contratar esta modalidad de forma retroactiva.<\/p>\n","protected":false},"excerpt":{"rendered":"

Fanny Y\u00e9pezLa Columna Para evitar abusos y fraudes, el Instituto Mexicano del Seguro Social (IMSS), modific\u00f3 las reglas de la Modalidad 40 (a partir del 22 de octubre de 2026), debido al alto costo financiero de las jubilaciones y a la detecci\u00f3n de malas pr\u00e1cticas, simulaciones laborales y fraudes.Las autoridades del IMSS explicaron los motivos […]<\/p>\n","protected":false},"author":2,"featured_media":141383,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[3398,1208,3529,72343,1276],"class_list":["post-184212","post","type-post","status-publish","format-standard","has-post-thumbnail","category-de-opinion","tag-fanny-yepez","tag-imss","tag-jubilados","tag-modalidad-40","tag-pensiones"],"yoast_head":"\nIMSS, OTRO ESC\u00c1NDALO - Los pol\u00edticos Veracruz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lospoliticosveracruz.com\/?p=184212\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IMSS, OTRO ESC\u00c1NDALO - 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