In the face of the problem posed by the financial deficit of the Sickness and Maternity Insurance in terms of its coverage for affiliates and pensioners, we had to look for methodologies to assess the future trends of revenues and expenses.

To estimate the coverage expense for Medical Expenses for Pensioners (gastos médicos de pensionados (GMP)), in 2013 we developed an actuarial model with which we could estimate the sufficient leveled premium to settle the future expenses based on the results obtained.

On the grounds of the amendment of the Mexican Social Security Law of 1995, we discerned the need to implement a new actuarial model to valuate the financial situation of the Disability and Life Insurance (seguro de invalidez y vida (SIV)), according to the radical change in the pension scheme. Therefrom, we adjusted the existing actuarial models; however, eventually, the need and challenge of reconsidering the model arose in order to have a model that covered the changes taking place during the terms of the pension scheme.