So, if you worked at IMSS between 1992 and 1997, you probably have money sitting idle in a SAR 92 account that you didn't even know existed. It happened to someone close to me: they retired from ISSSTE but contributed for several years at IMSS and didn't realize they could recover that.

The thing is, in 1992 they created the Retirement Savings System (SAR 92), where employers deposited bi-monthly into individual accounts. There were two sub-accounts: one for retirement (2% of salary) and another for housing (5%). SAR 92 was active until mid-1997, when the Afores were established.

What's interesting is that some resources were never properly transferred to the Afores and remained in the banks' hands. That's why there's now a central account. If you contributed during that period, you need to locate your Afore, request a statement, and check if there's a balance in SAR 92 or SAR Infonavit 92.

The process is relatively simple: confirm that you have resources, go to an IMSS sub-delegation to request a pension (they will deny it), and if you're 65 or older, you can withdraw what you've accumulated. The important thing is that your Afore has your complete Biometric Identification File (fingerprints, photo, signature). Then, request the SAR IMSS 92-97 transfer service and wait for the deposit.

If you've already passed 70 years and never claimed anything, your money might be in the Welfare Pension Fund, but it's still recoverable; it just takes longer. Moral of the story: if you worked at IMSS and ISSSTE, it's better to transfer your pension rights to consolidate everything in one place. That way, you avoid losing money in the system.