How to obtain, understand and verify my CAR-CMRC career statement

A comprehensive summary of my professional career, my Career Statement provides me with an overview of the rights I have acquired for my future retirement.
It also allows me to verify that my entire career has been taken into account.
I will need to verify my career before beginning the process of retiring.

Retirement in Monaco

• If I am employed in the Principality of Monaco, I contribute each month to the basic pension scheme (CAR) and the supplementary pension scheme (CMRC).
• These contributions enable me to accumulate pension points throughout my career.

Please note:  

• The CMRC (Caisse Monégasque de Retraite Complémentaire) has been my new supplementary pension scheme since 1 January 2024. 
• If I work or have previously worked as an employee in the private sector in Monaco:
  Periods worked in Monaco before 1 January 2024, which were previously managed by AGIRC-ARRCO for supplementary pensions, were permanently transferred to the CMRC at the beginning of 2025, based on information provided by AGIRC-ARRCO.
• If I have worked in France (mixed career):
  These periods will continue to be managed by AGIRC-ARRCO for supplementary pension purposes and have not been transferred to CMRC.
• To find out more about retirement for employees in Monaco :
  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 keep up to date with retirement news, I visit the website: https://www.info-retraite.mc/en

The CAR – CMRC career statement

My career statement summarises the pension points I have earned during a period of employment in Monaco or through compensation related to this period.

1- How to obtain my career statement:

My annual career statement is sent to me directly in July in the following situations :

• If I was an active employee in Monaco between October 2023 and September 2024 and I opted to receive my correspondence electronically: 
  I will receive an email containing a link to my Personal Space to access my annual Career Statement.
• If I was an active employee in Monaco between October 2023 and September 2024 and I opted to receive my correspondence in paper format:
  I will receive a letter containing a summary of my annual career statement. I can also view the detailed statement in my Personal Space.
• Alternatively, I can request a Career Statement by submitting an online request from my Insured Personal Space:
  Menu Procedures > Request my career statement.

Please note:

• The latest career statement issued is available at any time, in detailed digital format, from my Personal Insured Area on the Caisses Sociales de Monaco website :
  Documents menu > View documents received > Surname, First names > Retirement benefits > Career statement
• If I no longer have access to my Personal Insured Account or am no longer employed in Monaco: I can obtain my career statement by submitting an online request:
  https://releve.caisses-sociales.mc
• Important : the detailed version of my Career Statement is only available in digital PDF format.

2- Understanding my Career Statement:

• My retirement points balance, shown on the Career Statement, is updated once a year on the annual closing date of 30 September.
• For the year 2025:  My updated career Statement will be issued in July 2025. It will include the CAR and CMRC points acquired as of 30 September 2024, as well as the periods known at the date of issue.

How to view my CAR and CMRC retirement points balance

The first page of my statement shows a summary of the points I have earned for my retirement: 

• CAR summary:
  Number of CAR points earned as of 30 September 2024
• CMRC summary:
  Number of CMRC points received from AGIRC-ARRCO at the beginning of 2025, possibly supplemented by the CMRC.
• If I worked in Monaco in 2024: the CAR and CMRC points earned during these periods will appear on my annual Career Statement issued in July 2025.

How to view the detailed table of my points earned for my CAR and CMRC retirement:

The detailed table contains all the information relating to my periods of employment in Monaco:

• Financial year: financial year
• Periods: start and end months of declared activity
• Employers/Type of compensation: includes my employer's registration number and company name, or the type of compensation: unemployment, sickness, disability, maternity, paternity, adoption, accident at work, other?
• CAR points earned: number of basic retirement points earned for the period concerned
• CMRC points earned:
• For periods prior to January 2024: My career statement will include a line showing the balance of supplementary pension points transferred by AGIRC-ARRCO to CMRC in early 2025, possibly supplemented by CMRC.
  • The details are shown in the table at the end of my career statement:
    CMRC POINT STATEMENT (AGIRC-ARRCO origin)
  • For subsequent years: the CMRC points acquired each year will appear in this column in the same format as the CAR basic pension points on my statement

Please note:

• If I have benefited from compensated periods:
  Details of these periods are shown in the attached table:
  DETAILS OF COMPENSATED PERIODS
• Regarding my supplementary pension: AGIRC-ARRCO and CMRC have coordinated to facilitate the continuity of my information on my rights.
• The AGIRC-ARRCO points and periods acquired for periods worked in Monaco were definitively transferred to the CMRC at the beginning of 2025.
• If I worked in Monaco in 2023: the 2023 period is included in this permanent transfer.
  At the beginning of 2025, AGIRC-ARRCO sent me a document summarising my entire career as an employee in Monaco, indicating the periods and points transferred to CMRC at the beginning of 2025. 
• If I did not work in Monaco in 2023 or no longer work in Monaco: I already received a letter from AGIRC-ARRCO in January 2024, which specifies the periods that were transferred by AGIRC-ARRCO to CMRC.
• If I submitted a career correction request in 2024 and it was processed: I received a document from AGIRC-ARRCO detailing the periods covered by the correction request. I will not receive another letter from AGIRC-ARRCO in 2025.
• 1 CMRC point = 1 former AGIRC-ARRCO point

How to check the details of periods and points transferred to the CMRC: 

To check whether the supplementary pension points acquired during periods worked in Monaco are correctly shown on your statement, I can use the tutorial, which can be downloaded in PDF format:
Download the tutorial to help you check your CMRC periods (In French)

For more information on CMRC information to remember in 2025:
https://www.info-retraite.mc/en/news/cmrc-useful-information-to-remember-in-2025

3- Requesting a career correction:

• If I notice an error or a missing period on my CAR-CMRC career statement, I can report it to the Career Information Service of the Monaco Social Security Funds.
• To help me with this process, I can download the career correction request form and follow the instructions provided:
• Career correction request (In French)
• IMPORTANT : 
  • Regarding CMRC career correction requests to the Career Information Service:  For technical reasons, a longer processing time is necessary to ensure  the best quality of service.

4- Who to contact about my career:

• For periods of salaried employment in Monaco:
  I contact the Career Information Service of the Caisses Sociales de Monaco
  info-carriere@caisses-sociales.mc
  Tel.: (+377) 93 15 41 30
  A physical reception desk is available to assist me with my career procedures:
  Monday to Friday, 8.30am to 12pm, no appointment necessary:
  Go to the Retirement Service: Flor-Offices - Ground floor - 10, rue Princesse Florestine.
• For periods of salaried employment in France (mixed career):
  I contact my scheme administrator:
  - for the basic pension in France: L’Assurance retraite
  https://www.lassuranceretraite.fr/portail-info/home.html
  - for the supplementary pension: AGIRC-ARRCO, for example.
  https://www.agirc-arrco.fr/
• An AGIRC-ARRCO office is also available to provide me with information about my supplementary pension if I have a mixed career:
  Every Thursday at the USM offices at 28, bd Rainier III in Monaco. 
  Appointments must be made by calling 09 70 660 660 or directly on the AGIRC-ARCCO website > Personal space > Contact us. The service is free of charge.

FAQ: Answers to my most frequently asked questions:

Am I or have I been an employee in the private sector, or am I simply already retired in Monaco? I can find all the answers to my questions about how retirement works in Monaco in the FAQ (Frequently Asked Questions):
https://www.info-retraite.mc/en/frequently-asked-questions-about-the-cmrc-la-caisse-monegasque-de-retraite-complementaire