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Retirement and Unemployment in Old age (Unemployment in Old Age…
Retirement and Unemployment in Old age
Cuenta Individual (Personal Account)
It means an Afore Employee account, will collect the "Cuotas Obrero-Patronales"
Individualizar
It is the process of take the employer and government money, transfer to employee account, Is the transfer of the money for Infonavit, Afore, and IMSS.
Pension
The money that an employee retired receive as "Renta Vitalicia" or "Retiro Programado"
Renta Vitalicia
Means a Contract by wich the insurance compane get the "Cuenta Individual" (Money from pensioner)
Retiros Programados
Means to get a oension dividing the "Cuenta Individual" Total money by the hope of life
Seguro de Sobreviviencia (Surviving Insurance)
Is the one tgat ab enployee takes out form AFORE or Bank
Is the one that an employee takes out from Afore, money for help family or money for assitance help.
Monto Constitutivo
Money to get the "Renta Vitalicia" and surviving insurance
Suma Asegurada (Insurance Amount)
Is the amount of money that we get by sustracting the "Monto Constitutivo" form the employee peronal account
Unemployment in Old Age
Old Age
We can consider Old person who is 60 years old
60 more 65
Maney from AFORE (Only Once All the money)
Get a voluntary continuance, in order thant later will be able to get pension
750 weeks enrolled: Medical Care Benefits
No enought weeks to get pensios but older than 60
Unemployment
When the old persons can not get a payable job
Requirements
You can not get te "Renta Vitalivia" If the "Pension Garantizada" is bigger thant it
Afore: Get "Pagos Progamados" payment from the employee account
To get "Renta Vitalicia" with the insurance company or bank selected (Update every februart=INPC)
Retirement
1250 weeks enrolled in IMSS
Weeks uncomplete: employee can get the money from AFORE at once
65 years old
750 Weeks enrolled (Illness and maternity non monetary benefits)
By
Jesus Alberto Roman Rdz