Requisitos para cobrar el Afore por desempleo: Pasos para solicitar Afore por desempleo y quiénes pueden hacer la solicitud

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Requisitos para cobrar el Afore por desempleo

Los requisitos para poder cobrar el Afore por desempleo son los siguientes:

  • Tener cuando menos 46 días desempleado.
  • Se debe poseer la Cuenta Individual dentro del registro AFORE.
  • Durante los 5 años anteriores a la realización del trámite no haber ejercido el derecho a AFORE.
  • Se debe poseer el Expediente de Identificación AFORE con toda la información requerida del trabajador (registro biométrico): comprobante de domicilio, identificación oficial y el registro de sus huellas digitales (captura).
  • En el caso de la Modalidad A: el trabajador debe poseer una Cuenta Individual con por lo menos 3 años de apertura da y al menos 12 bimestres de haber cotizado en dicha cuenta.
  • Por su lado la Modalidad B: la Cuenta Individual debe tener por lo menos 5 años de haber sido creada.

Pasos para solicitar Afore por desempleo

Los pasos a seguir para realizar la solicitud de AFORE por desempleo son:

  • Se debe realizar la Pre-solicitud del Retiro Parcial por desempleo.

Este pre solicitud por desempleo se realiza a través del portal web www.e-sar.com.mx, para poder adquirir la Clave Única de Servicio, o a través de alguna oficina (sucursal) de AFORE, donde el personal orientara al trabajador durante todo el proceso.

  • Se debe acudir a la sucursal que fue seleccionada en la Pre solicitud y llevar en físico:
    • La pre solicitud realizada a través del portal e-sar.com.mx
    • Se debe llenar y firmar la solicitud de disposición de recursos para el Retiro Parcial por Desempleo, esta planilla de solicitud será suministrada por la AFORE.

También se deben presentar la documentación oficial solicitada, en dependencia del caso que se procesara, esta documentación son:

  • En el caso de Mayores de Edad (se debe presentar con foto y firma autógrafa): Pasaporte, credencial para votar, cédula profesional, cartilla militar, matricula consular (en caso que aplique), documento migratorio (en el caso que aplique).
  • En el caso de menores de edad: Acta de nacimiento del menor o en su caso el pasaporte y la identificación de la persona que es tutor del menor o en su defecto de quien ejerza la patria potestad del menor.
  • Cualquier documento donde se visualice el NSS del trabajador.
  • AFORE se encargara de gestionar el tramite frente el IMSS, esto se realizara dentro de los 10 días hábiles siguientes de haber recibido la solicitud, esto permitirá obtener el certificado que otorga el derecho al retiro parcial por desempleo.
  • Ya obtenido el certificado de derecho por parte del IMSS, la AFORE ya pondrá en disposición del trabajador los recursos que correspondan (asignados) por el instituto.
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Adicional a toda la documentación expuesta anteriormente, los beneficiarios también deberán presentar la siguiente documentación en relación con la modalidad a solicitar:

  • Modalidad A: se entregara (AFORE) en una solo pago el equivalente al Salario (referencia al último salario) de 30 días, en base a sus cotizaciones, teniendo como límite 10 unidades (como medida de actualización).
  • Modalidad B: se entregara (AFORE) hasta seis mensualidades del monto que resultare menor entre: lo equivalente (90 días) al salario base de cotizaciones del trabajador en sus últimas 250 semanas cotizadas, y el 11,5% de los recursos que posea acumulados en su cuenta.

Información Importante:

Dentro de algunos aspectos que son importantes y debemos tener en cuenta al momento de optar por el AFORE tenemos:

Al retirar el AFORE por desempleo (retiro parcial) se efectuara un descuento proporcional de las semanas cotizadas por parte del IMSS, del monto total de los recursos que sean retirados de la subcuenta RCV.

Dentro de la solicitud para realizar este tipo de retiros, se debe manifestar que se está consiente de todas las implicaciones que este tipo de operaciones conlleva dentro del anexo de la solicitud.

Estas semanas descontadas (total de semanas cotizadas), podrán ser recuperadas por el trabajador, a través de aportes parciales o totales a su subcuenta.

En el caso del trabajador que obtenga el derecho de retirar el recurso a través de mensualidades, será entregada la primera mensualidad (por un monto de 30 días del último Salario Base de cotización) por parte del AFORE.

Pero las AFORE deben mantener control y chequeo constante del estado de desempleo del Trabajador, todo esto antes de cancelar cada una de las mensualidades siguientes.

Siempre es recomendado que el trabajador posea la información sobre las fechas de los subsiguientes pagos, para que de esta manera (en caso de seguir desempleado), pueda consignar la documentación necesaria antes del pago que corresponda y agilizar todo el proceso.

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Esto además debe ser acompañado por una manifestación (bajo protesta de decir la verdad), que aún se encuentra desempleado, esto debe realizarse en las oficinas del AFORE y dentro de los 5 días previos o posteriores a la fecha de la cancelación del pago subsiguiente.

Cuando el trabajador tenga el derecho a la Modalidad B, y solicite que el primer pago sea realizado por el equivalente a 30 días del último salario base cotizada, el monto remanente a cancelar sea menor o igual a 20 % del pago total.

La AFORE podrá realizar el pago total de este remanente en una sola cancelación, siempre y cuando el trabajador lo solicite a través de una manifestación.

En el caso que el trabajador se reincorpore al Régimen Obligatorio de la Ley del Seguro Social o en el caso de que traspase su cuenta individual AFORE previo al cumplimiento de los pagos, la cancelación subsecuente dentro de esta modalidad será suspendida.

A partir del 26 de noviembre de 2018, se estableció como requisito obligatorio para la realización de este tipo de trámites la Pre-solicitud de Retiro Parcial, la cual se realiza a través del portal web E-SAR.

Qué es el Afore por desempleo

El AFORE por desempleo no es otra cosa que, un trámite que el trabajador que se encuentre en situación de desempleo puede solicitar el retiro parcial de su Cuenta Individual y en relación a las dos modalidades existentes puede ser equivalente a:

  • 30 días del último salario base (de cotización), con un máximo de 10 unidades de Medidas de Actualización, si se trata de la modalidad A.
  • En el caso de la modalidad B, la opción resultante menor entre, los 90 días de salario base (cotizado) en las últimas 250 semanas, comparado con el 11,5% del monto acumulado e la subcuenta de retiro del trabajador.

Quiénes pueden solicitar el Afore por Desempleo

Todos los trabajadores que coticen regularmente dentro del sistema del IMSS (trabajadores formales), pueden solicitar el AFORE por desempleo, siempre y cuando cumplan con los requisitos establecidos y realicen la solicitud acorde a la reglamentación existente.

Qué es un afore y para qué sirve

El afore es parte del sistema nacional de seguridad social del trabajador, este sistema te permite disponer de parte de los recursos que se encuentre dentro de tu Cuenta AFORE, de manera anticipada.

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Para esto el AFORE te proporciona dos tipos de retiro anticipado, los cuales son:

  • Retiro parcial por Matrimonio: este retiro equivale a 30 veces el valor que posea la UMA (Unidad de Medida y Actualización).
  • Retiro parcial por Desempleo: En sus dos modalidades, la Modalidad A y la Modalidad B, ya expuestas con anterioridad en este artículo.

Cómo calcular el monto de ayuda por desempleo

Evidentemente la cantidad disponible para retiro de tu Cuenta Individual, depende directamente de tu SBC (Salario Base de Cotización), el mismo puede ser consultado de manera gratuita dentro de tu estado de cuenta AFORE.

Otro factor del cual depende tu retiro, es el tiempo que poseas con tu Cuenta AFORE y las semanas de cotización al IMSS.

Existen dos opciones de retiro por desempleo, las cuales son:

Modalidad A: la cuenta individual posee más de tres años de haber sido apertura da y al menos un total de 12 bimestres e cotizaciones en el IMSS.

En esta opción se recibirá la cantidad menor dentro de estos dos casos (ejemplos):

  • Se calcula el monto de 30 días de SBC diario: $260 x 30 = $7.800
  • Se considera el límite que puede retirar de la cuenta de ahorro para el retiro: $73.04 X 30 días X 10 (factor de actualización) = $ 21.912

En este ejemplo práctico el trabajador recibirá los $7.800, en una sola cancelación.

Modalidad B: La Cuenta Individual debe poseer al menos 5 años de haber sido creada, en esta modalidad se podrá obtener el monto menor entre las siguientes opciones (ejemplo):

  • El monto equiparable a 90 días de su SBC (Salario Base de Cotización), SBC diario $260 x 90 = $23.400.
  • El monto igual a 11.5% del saldo disponible en su cuenta de retiro. El saldo disponible en el presente ejemplo sería de $82.500 x 11.5% = $9.487,50. 

Dentro de este ejemplo práctico se recibirían los $9.847,50, divididos en 6 mensualidades o pagos por el monto de $1.581.

El AFORE es una gran opción para los trabajadores formales que cumplan con los requisitos para poder de disponer de recursos económicos e momentos difíciles (a saber, situación de desempleo y por matrimonio).

Espero que el presente artículo allá sido de provecho.

GRACIAS POR LEERNOS!!!

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