About us

This website provides information on the applicable regulations and procedures, together with the online transactions aimed at insureds, members, employers or healthcare professionals related to:

The Caisses Sociales de Monaco (CSM)

This generic term is normally used to refer to the compulsory social security schemes for employees and self-employed workers in the Principality. These schemes are managed by five separate private-law bodies, all established in law and vested with a public service mission and which share Administrative and Accounting Departments.

Director: Bertrand CROVETTO
Accounting Officer: Gert van de RIET

 Each of these organisations is managed by:

  • a Supervisory Committee presided over by the Government Advisor for Social Affairs and Health and comprised of members of the Prince's Government and representatives for employers and employees or self-employed workers depending on the scheme,
  • a Finance Committee presided over by the Government Advisor for Finances and the Economy and comprised of key figures appointed for their expertise.


Caisse de Compensation des Services Sociaux (CCSS)

The CCSS was created by the Ordinance-Law of 27 September 1944. It is financed by employer contributions calculated based on gross salaries reported beneath the upper limit. It provides employees and equivalent workers with sickness, maternity, invalidity and death benefits. Beneficiaries (spouse, dependent child) who cannot claim a direct entitlement from another scheme and live in the Principality or in France (or in Italy for Monegasque or Italian nationals) are also covered for their illness or maternity expenses. The CCSS also pays family and social benefits (prenatal and family allowances, housing allowance, education allowance, exceptional back-to-school allowance, year-end bonus, holiday cheques, childcare and nursery vouchers, etc.).


Caisse Autonome des Retraites (CAR)

The retirement pension scheme managed by the CAR, which concerns employees and non-permanent staff of the state and municipality, was established by the Law of 27 June 1947. It is a points-based scheme, which means that the insured is credited every month with a number of points.  The number of points is obtained by dividing the reported gross salary by a unit of account, the base salary, the amount of which is set by Ministerial Decree and this up to an upper limit that corresponds to four times the base salary. The fund is financed by employee and employer contributions. The direct annual retirement pension amount is determined by multiplying the number of retirement points earned on the settlement date by the value of the point.


Caisse Monégasque de Retraite Complémentaire (CMRC)

The supplementary pension scheme managed by the Caisse Monégasque de Retraite Complémentaire, which concerns employees in the private sector, was established by the Law of April 20, 2023.
This is a compulsory supplementary pension fund, points system, based on a distributive principle.
Employees thus acquire points which will contribute additional income to the basic retirement plan.
The number of points is determined by dividing the amount of contributions generating rights by the reference salary, which corresponds to the cost of acquiring a supplementary retirement point.
Its financing is ensured by contributions from employees and employers .
The amount of this supplementary retirement pension corresponds to the number of points multiplied by the value of the point.


Caisse d’Assurance Maladie, Accident et Maternité des Travailleurs Indépendants (CAMTI)

CAMTI was created by the Law of 28 July 1982. This scheme is compulsory for those who are duly authorised to practice a craft, industrial or commercial activity or a liberal profession in the Principality. It is financed by a flat-rate contribution due for each calendar month and payable quarterly in advance. Benefits are also paid to beneficiaries provided that they cannot claim a direct entitlement from another scheme and they live in Monaco or France as well as retirees from a Monegasque or French scheme for self-employed workers living in the Principality.


Caisse Autonome de Retraites des Travailleurs Indépendants (CARTI)

Introduced by the Law of 17 January 1958, the CARTI is a points-based retirement pension scheme. One to four points can be earned each month depending on the class to which the member contributes. Contributions, which are paid quarterly in arrears, are assigned an increase that does not generate any entitlement at a rate set by Sovereign Order. The direct annual retirement pension amount is determined by multiplying the number of retirement points earned by the value of the point.