The answers to your questions
Are you or have you been employed in the private sector in Monaco? Then the Caisse Monégasque de Retraite Complémentaire (CMRC) concerns you.
Under the “FAQ” heading you will find all the information you need to understand supplementary pensions in Monaco and how they operate.
How to obtain, understand and verify my CAR-CMRC career statement: what will change on 1 July 2025
Every year in July, I receive my annual career statement showing the pension points I have earned during my period of employment in Monaco or any compensation related to that period.
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Complementary health benefit for CMRC retirees
If you are a retiree from the CMRC and you are wondering about the benefit to which you may be entitled. Please consult our Frequently Asked Questions for more information.
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CMRC: Useful Information to Remember in 2025
Transferring my points, new CAR-CMRC Career Statement, who to contact about my career or to prepare for my retirement: here is the practical information to remember and what changes from 2025.
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Understanding my retirement
How to obtain, understand and verify my CAR-CMRC career statement
My Career Statement summarises the pension points acquired following a period of employment in Monaco or compensation related to this period.
The Monegasque Supplementary Pension Fund (CMRC): Understanding the essentials
Are you affected by the new Monegasque Supplementary Pension Fund? We're here to help you understand the basics of how it works.
Focus : What will change for me with the CMRC?
I work or I have worked in Monaco; I am retired: What will change for me with the CMRC?
Focus on Supplementary Pension: The Bonus Benefit
If you had already retired with CAR as your basic scheme and with AGIRC-ARRCO as your supplementary scheme by 31 December 2023, you are eligible for a bonus benefit.
Do you have any other questions about the supplementary pension in Monaco?
Do you have any other questions about the supplementary pension in Monaco?
Find the answers to the most frequently asked questions about the Monegasque Supplementary Pension Fund in our Frequently Asked Questions.
Find the answers to the most frequently asked questions about the Monegasque Supplementary Pension Fund in our Frequently Asked Questions.
