Seguro de Invalidez y Vida: Who Qualifies and What You Get
Learn how this social security coverage provides a pension for permanent disability or death benefits for your family members.
This scheme provides financial protection through a pension if you suffer a permanent disability or a death benefit for your family members.
Who it's for
This scheme is designed for professionals who are registered with the IMSS. It serves as a layer of social security for those who maintain their official registration and contributions within the system.
What you get
The benefits are divided into two main categories based on the circumstances. If you are unable to work due to a permanent disability, the scheme provides a pension to support you. In the event of death, the scheme provides a death benefit intended to support your family members.
What it costs you
You do not need to pay a separate premium or an additional fee to access this coverage. The cost is already included in your regular monthly IMSS contributions that you pay as a registered professional.
The catch to know
Accessing these benefits is not automatic. The most important requirement you must meet is obtaining a medical certification from IMSS doctors. This official medical evaluation is necessary to verify the disability before any pension or benefit can be approved.
How to apply
- Verify that your IMSS registration is active and your monthly contributions are up to date.
- Contact the IMSS to request a medical evaluation for your specific situation.
- Attend your appointment to receive a formal medical certification from the official doctors.
- Submit the medical certification and any other required documentation to the agency to process your claim.