Overview
- Regulators say Afore balances belong to each worker and cannot be taken by the government or an administrator, with rare court-ordered exceptions such as child support.
- The law allows only two paths: partial withdrawals for specific cases before retirement and a full withdrawal starting at age 60.
- Partial withdrawals cover unemployment and, for IMSS members, a one-time marriage benefit that is available only if legal requirements are met.
- Unemployment withdrawals are typically paid 5 to 10 business days after the file is complete and validated, according to Consar and Condusef.
- Allowed amounts depend on the legal regime, with one 1997-regime option set at either 30 days of salary or 11.5% of the retirement subaccount, whichever is lower.