CAR-CMRC Career Statement: What will change on 1 July 2024

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CAR-CMRC Career Statement: What will change on 1 July 2024

Your career statement summarises the pension points acquired following a period of employment in Monaco or compensation linked to this period. Find out how to obtain and understand your Relevé de carrière :

Retirement in Monaco

If you are employed in the Principality of Monaco, you contribute each month to the basic pension scheme (CAR) and supplementary pension scheme (CMRC). These contributions allow you to acquire pension points throughout your career.

Please note: 

  • Since 1 January 2024, CMRC has been the supplementary pension scheme in force in Monaco.
  • Periods worked in Monaco before 1 January 2024, which were previously managed by AGIRC-ARRCO for supplementary pension purposes, are in the process of being transferred to CMRC.
  • If you have worked in France (mixed career), these periods will continue to be managed by AGIRC-ARRCO for supplementary pension purposes, and will not be transferred to CMRC.

To find out more about CAR basic pension and CMRC supplementary pension: 
https://www.en.caisses-sociales.mc/home/car-retiree/car-cmrc-retiree/c.a.r.-pension/direct-pension

To understand how retirement works in Monaco and to keep up to date with pensions news, you can visit the website: https://www.info-retraite.mc/en

CAR – CMRC Career Statement

Your Career Statement summarises pension points acquired following a period of activity in Monaco or compensation related to this period.

1- How do I get my Career Statement: 

  • Your annual career statement is sent directly to you at the beginning of July under the following circumstances:
    • If you were active in Monaco between October 2022 and September 2023 and opted for paperless option:
      you will receive an e-mail containing a link to your Personal Space to access your annual Career Statement.
    • If you were active in Monaco between October 2022 and September 2023 and opted for correspondence in paper format:
      you will receive a letter containing a summary annual statement. You can also consult the detailed statement in your Personal Space.
    • Alternatively, you can request a Career Statement by applying online in your Personal Space:
      Menu Procedures > Request my Career Statement.

Please note: 

  • A  digital version of your most recent statement is available at any time from your Personal Space on the Caisses Sociales de Monaco website: 
    Documents Menu> Consult the documents received> Surname, First names > Retirement benefit > Career statement
  • If you no longer have access to your Personal Insured Space or if you are no longer employed in Monaco:
    You can obtain your Career Statement by applying online: https://releve.caisses-sociales.mc:
    https://releve.caisses-sociales.mc
  • Important:  the detailed version of your Career Statement is only available in digital pdf format. You can request this from your Personal Space.

2- Understanding my Career Statement:

The balance of your pension points, presented on the Career Statement, is updated once a year on the annual closing date of 30 September. 

For the year 2024, your updated Career Statement will be issued in July 2024. It will include the points acquired as at 30 September 2023, as well as those periods known on the date of issue..

  • How do I check my balance of CAR and CMRC pension points:
    The first sheet of your statement presents the summary of the points acquired for your pension:
    - CAR summary:
    Number of CAR points acquired on 30 September 2023
    - CMRC summary:
    Number of CMRC points received from AGIRC-ARRCO on 1 January 2024
  • How do I consult the details of the periods and points transferred to the CMRC on 1 January 2024:
    At the end of your statement, you will find a detailed appendix covering the periods and points that have been transferred by AGIRC-ARRCO to CMRC on 1 January 2024.

Please note:

  • As regards your supplementary pension: AGIRC-ARRCO and CMRC have coordinated to facilitate continuity of information on your rights.
  • The transfer of AGIRC-ARRCO points and periods to CMRC will continue throughout 2024.
  • If you worked in Monaco in 2023, the points acquired during this period will be transferred to CMRC before the end of 2024.
  • During this transitional period, it is possible that your statement may be incomplete and that certain periods do not appear on your CMRC career statement, or that they still appear on your AGIRC-ARRCO career statement
  • As your situation changes you will receive the corresponding information letters in 2024.
  • 1 CMRC point = 1 former AGIRC-ARRCO point

To learn more about transferring your points and periods:
https://www.info-retraite.mc/en/news/cmrc-next-steps-and-useful-information-to-keep


3- Requesting a Career Correction:

  • If you notice an error or a missing period in your CAR or CMRC career, you can report it to the Service Info-Carrière of the Caisses Sociales de Monaco.
  • To help you with this process, you can download the career correction request form and follow the instructions on it: 

IMPORTANT:

  • If you have already applied for a career correction with AGIRC-ARRCO before 1 July 2024:
    The rights concerned will be transferred at the end of 2024 and will not appear on the CMRC appendix to the Annual Career Statement issued in July 2024.

    You will not require to make a new request to the CMRC, even if your request for correction is still being processed by AGIRC-ARRCO. A duplicate application may lengthen processing time.
  • As regards requests for career corrections from the Service Info-Carrière (CMRC):  For technical reasons, requests for correction will be processed after the final transfer from AGIRC-ARRCO to CMRC, which will take place at the end of 2024.
  • You will receive further information about these onward transfers.

4- Who do I contact about my career: 

A staffed reception is available to assist you in procedures about your career: :
Monday to Friday, from 8:30 am to 12:00 noon without appointment.
Go to the Service Retraite: Flor-Offices - Ground Floor - 10, rue Princesse Florestine.

Check our FAQs:
Are you or have you been an employee in the private sector, or have you simply already retired in Monaco? You will find in the FAQs (Frequently Asked Questions), all the answers to any questions you have to help you understand how retirement works in Monaco:
https://www.info-retraite.mc/en/frequently-asked-questions-about-the-cmrc-la-caisse-monegasque-de-retraite-complementaire