Membership

Self-employed workers conducting a business in the Principality in accordance with the laws and regulations must join the C.A.M.T.I. and the C.A.R.T.I.

Retirees from a self-employed scheme who live in Monaco, with the exception of those who are already covered by another medical benefits scheme for employees or civil servants must join the C.A.M.T.I.

Who must join?

It is compulsory for self-employed workers to join the social services schemes set up and managed by the Caisse d'Assurance Maladie, Accident et Maternité des Travailleurs Indépendants (C.A.M.T.I. - Social Security Fund for the Self-Employed) and the Caisse Autonome des Retraites des Travailleurs Indépendants (C.A.R.T.I. - Independent Pension Fund for the Self-Employed).

It is impossible to take out voluntary membership when the working condition is not, or is no longer, satisfied for self-employed workers conducting a business in the Principality.

C.A.R.T.I. ?

The following must become members of the C.A.R.T.I.:

  • Any natural person who carries out a non-salaried occupational activity (craft, industrial, trade, liberal). This activity can be carried out:
    • in their Personal Name,
    • as a partner in a General Partnership,
    • as a general partner in a Limited Partnership or Private Company Limited by Shares.
    • Non-salaried directors of Monegasque Limited Companies (SAM) are not subject to this requirement.
    • The business must be conducted in compliance with laws and regulation, i.e. regularly authorised by the competent authorities when such authorisation is required.
  • The Managing Partners of a Limited Liability Company.
  • Artists recognised as being Independent Professional Artists (IPA) by the Department of Cultural Affairs (Direction des Affaires Culturelles (DAC)).
 C.A.M.T.I. ?

The following must become members of the C.A.M.T.I.:

  • All members of the C.A.R.T.I., except those who are covered in Monaco by another medical benefits scheme for the same activity.
  • All retirees belonging to the C.A.R.T.I., or a French self-employed scheme who live in Monaco, with the exception of those who are already covered by another medical benefits scheme for employees or civil servants, as a retiree or the spouse of a retired employee or civil servant.

How to join?

For activities subject to administrative authorisation, as well as for Managing Partners of Limited Liability Companies (SARL), the membership forms are automatically sent to the interested parties, without having to request them.

They can also be collected from the reception desk of the Contribution Collections Department.

In all cases, you must:

  • complete and sign the aforementioned forms,
  • return them to the Caisses Sociales along with the following documents:
    • declaration of registration for a Statistical Identification Number (NIS) issued by the Institut Monégasque de la Statistique et des Études Économiques (IMSEE),
    • family civil status form or a photocopy of the family record book,
    • bank or postal account statement (original) for the designated account for the payment of medical benefits,
    • bank or postal account statement (original) for the designated account for the payment of contributions, accompanied by the C.A.M.T.I. and C.A.R.T.I. direct debit mandates.

NB.: Self-employed workers whose CAMTI or CARTI membership takes effect after 1st June 2016 must pay their contributions using direct debit. In the event of non-compliance with this periodic obligation, each contribution to each of the organisations will be subject to a processing fee of an unit amount of €30.

When to join?

  • For self-employed workers conducting a business in their Personal Name or as a General Partnership or Limited Partnership:
    • Membership of the C.A.M.T.I. and the C.A.R.T.I. takes effect from the date on which the activity in question actually begins, as shown on any supporting document, even when this has not yet generated any revenue.
    • The membership application must be submitted within one month from the start or continuation of the activity, if it had been suspended.
  • For Managing Partners in Limited Liability Companies (SARL):
    • Membership of the C.A.M.T.I. and the C.A.R.T.I. takes effect from the date the SARL is registered with the Monaco Trade and Industry Register.
    • The membership application must be submitted within one month of this date.
  • For Independent Professional Artists (IPA):
    • Membership of the C.A.M.T.I. and the C.A.R.T.I. takes effect from the registration date on the Statistical Identification Number (NIS) Register.
    • The membership application must be submitted within one month of this date.

What are the procedures if the business activity ceases?

Registration will no longer have effect in case of a permanent cessation or temporary interruption of activity for reasons such as illness, accident or maternity.

The consequences of cancellation or suspension of registration are as follows:

  • Contributions are no longer due from the month following that when deregistration took place, giving rise, under any circumstances, to the requirement of a further complete monthly payment (the final contribution is not reduced on a pro rata basis according to date of cessation)
  • Medical care can continue, under certain conditions, for a period of three months:
    • from the date of deregistration;
    • from the date of the self-employed person’s death, to the benefit of his or her entitled beneficiaries.

IMPORTANT: Any cessation of activity must be notified within a month to the Contribution Collections Department. 

Enclosing to that effect:

  • For self-employed persons working under their own name, as a SCS or SNC:
    • a declaration on their honour of cessation of activity including its date,
    • For self-employed persons registered with the Direction de l’Expansion Économique (Economic Expansion Directorate), a request for deregistration from the latter,
    • For self-employed persons whose activity is authorised by order, a copy of release by Ministerial order of abrogation.
  • For Managing Partners of an SARL:
    • a copy of the AGM minutes, which refer to the resignation or dismissal of the managing partner,
    • an extract from the Companies Register referring to the deregistration of the SARL or its change of management.
  • For self-employed Professional Artists:
    • A declaration of deregistration on the part of the IMSEE