It turns out that many people don't know that if they contributed to the IMSS between 1992 and 1997, they probably have money saved in the SAR 92 that they can recover. Literally, there are hundreds of thousands of workers who didn't even realize this. The interesting part is that the SAR 92 was this system created in 1992 where employers deposited money every two months for employees' retirement, 2% of the salary for retirement and 5% for housing. But here's the strange part: in 1997, Afores were created, and everything was supposed to be integrated automatically, but in many cases, the money stayed in banks without moving.

In the case of someone like Juana, who retired through ISSSTE but also contributed years to the IMSS, she won't receive an IMSS pension, but she can recover those resources she left in the SAR 92. The process is simpler than it seems: first, find out which Afore holds your record, request a statement, and if you confirm you have a balance in SAR 92 or in the housing sub-account, go to an IMSS sub-delegation to request a pension. Of course, they will deny you the (pension because you don't meet the requirements), but that's what you need to be able to withdraw the resources afterward.

What is a bit cumbersome is that if you're 70 years or older and have never claimed your money, it's likely that it is already in the government's Welfare Pension Fund. But don't worry, the resources are recoverable; the process just takes longer. The important thing is that if you've worked at more than one institute, you should transfer your pension rights to consolidate everything in one place. This way, you avoid years of contributions remaining incomplete and meet the minimum requirements to retire. If you contributed to SAR 92 and haven't done anything about it, now is the time to start handling the paperwork.