Are you employed in the private sector? Check your career !

Understanding my retirement

Are you employed in the private sector? Check your career !

Since 1 January 2024, CMRC has been the supplementary pension scheme in force in Monaco.

Periods worked in Monaco before 1 January 2024 and which were previously managed by AGIRC-ARRCO for supplementary pension, 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, and will not be transferred to CMRC.

Understanding My Career Statement

Your balance of 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 the periods known on the date of issue.

How to check my CAR and CMRC pension points balance:

The first sheet of your statement presents the summary of the points acquired for your retirement: - CAR summary: Number of CAR points acquired as at 30 September 2023 - CMRC summary: Number of CMRC points received from AGIRC-ARRCO on 1 January 2024

How to consult the details of the periods and points transferred to CMRC on 1 January 2024:

At the end of your statement, you will find a detailed appendix of the periods and points that have been transferred by AGIRC-ARRCO to CMRC on 1 January 2024.  N.B.: For your supplementary pension: AGIRC-ARRCO and CMRC have coordinated to facilitate the 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, 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
  • Depending on how your situation proceeds, you will receive the relevant information in 2024.
  • 1 CMRC point = 1 former AGIRC-ARRCO point

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

Request 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 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 feature on the CMRC Appendix to the Annual Career Statement issued in July 2024.
  • It is not necessary to make a new request to CMRC, even if your request for correction is still being processed by AGIRC-ARRCO. A duplicate application may extend processing time.
  • For requests for career correction 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.

 

How do I obtain my CAR-CMRC Career Statement from Caisses Sociales de Monaco?

Find all the useful information in this article:
https://www.info-retraite.mc/en/understanding-my-retirement/how-do-i-obtain-or-request-my-car-and-cmrc-career-statement

 

Who Do I Contact About My Career

  • For periods of salaried activity in Monaco: 
    Service Info-Carrière des Caisses Sociales de Monaco
    info-carriere@caisses-sociales.mc 
    Tel.: (+377) 93 15 41 30

    A physical reception is available to assist you in your Career procedures: 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. 
     
  • For periods of salaried activity in France (mixed career): 
    Your scheme manager such as AGIRC-ARRCO for supplementary pensions:
    https://www.agirc-arrco.fr/ or Assurance Retraite for basic pensions in France: 
    https://www.lassuranceretraite.fr/portail-info/home.html

 

For Further Information:

Do you have any other questions about supplementary pension in Monaco?

Find our FAQ on the info-retraite.mc website  which brings together all the information you need to help you better understand retirement in Monaco.