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Social benefits

Social benefits for retirees

Granted in the form of five benefits:

  • Supplementary benefit to the minimum retirement pension
  • Single benefit paid on the death of the retiree
  • Social Benefit for Retirees
  • Complementary health benefit
  • Benefit for the retiree's spouse and Exceptionnal benefit

 

  • Supplementary benefit to the minimum retirement pension
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    • Eligibility conditions
    • Receiving a retirement pension paid by the CAR:
      • earned solely through periods of salaried employment in Monaco or equivalent periods relating to this employment that have covered at least 37 and a half years or 450 months or more;
      • paid on the basis of less than 775 points.
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    • Amount
    • The benefit amount is equal to the point value multiplied by the difference between the number of paid points and 775 points.
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    • Upper income limit
    • The maximum supplementary benefit is granted when the annual income during the reference period, increased by twelve monthly benefit payments, was less than the corresponding value of:
      • 990 points for a single person
      • 1440 points for couples
    • If the income, supplemented by the minimum retirement pension monthly benefit payment exceeds this limit, these monthly payments will be adjusted as a result.
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    • Sending the application
    • The questionnaire is automatically sent to potential beneficiaries.
    • The benefit application (or its renewal) must be submitted before the 31 October of each year or the entitlement lapses.
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    • Payment
    • The supplementary benefit to the minimum retirement pension is paid at the same frequency as the payment of arrears for the CAR pension.
  • Death benefit
    • Provided in the event of a retiree's death, this is granted:
      • to the surviving spouse who is not divorced or legally separated, or
      • failing this, to the children.
    • Provided that these beneficiaries can claim a reversionary or orphans' pension.
    • To be admissible, applications for the Death Benefit must be submitted within 12 months of the date of death. The benefit is payable from the day of death.
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    • Amount
    • The benefit amount corresponds to a quarter of the annual pension received by the deceased retiree, without being greater than one and a half times the value of the basic salary.
  • Social Benefit for Retirees
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    • Eligibility criteria
      • be in receipt of a direct retirement pension paid by the CAR if I retired before 1 January 2024, or
      • be in receipt of a direct retirement pension paid by the CAR and the CMRC (minimum 70 CMRC points) if I retired after 1 January 2024
      • have accrued this pension exclusively through periods of employment in the Principality (10 years’ employment)
      • be resident in Monaco or in the Alpes-Maritimes department as at 30 September of the current year
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    • Amount
    • The allowance amounts to €600.00 per eligible person.
    • If the number of CAR points in my retirement pension is less than 360, the amount of the allowance is calculated in proportion to the number of CAR points accrued.
    • If we are a married couple, each of us may receive an allowance of up to €600 provided we meet the eligibility criteria.
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    • Income limit
    • My household’s annual income (from 1 January to 31 December 2025) must be less than:
      • €21,651.30 if I am unmarried
      • €31,492.80 if I am married
    • The income to be taken into account comprises the couple’s total income.
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    • Sending the application
    • The application form is sent automatically to potential beneficiaries.
    • To be valid, the application for the allowance must be submitted within three months of the form’s issue date; otherwise, it will be deemed invalid.
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    • Granting/Payment
    • It is paid out once a year. The payment is credited to your usual bank account.
  • Complementary health benefit
    • Eligibility conditions
    • Having been in receipt of a direct retirement pension from CMRC for an effective or assimilated period of at least two hundred and forty months.
    • Have actually subscribed to a complementary health contract.
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    • Amount
    • The amount is fixed by Ministerial Order. 
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    • Granting/Payment
    • The total resources during the twelve months of reference do not exceed:
      • 990 times the value of the CAR pension point for single people,
      • 1440 times the value of the CAR pension point for couples.
    • The resources taken into consideration are the total income of the household.
    •  
    • Sending the application
    • The questionnaire is automatically sent to potential beneficiaries.
    • To be admissible, the Allowance application must be submitted within three months of the date of issue of the form, otherwise it will be inadmissible.
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    • Granting/Payment
    • Awarded once a year to a retired person. 
  • Spouse’s Benefit and Special Benefit
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    • The Boards of Directors of Monaco’s Social Security Funds have amended the current social assistance schemes for pensioners provided by their schemes.
    • In this context, they have decided that the system for awarding social allowances should be revised with effect from October 2026.
    • Consequently, the schemes for the One-off Allowance and the Spouse’s Allowance have been repealed, and a Social Allowance for Pensioners, subject to new eligibility criteria, has been introduced.
    • Pensioners who received these allowances during the October 2025 allocation round were contacted by post in September 2026 to explain the steps they needed to take, depending on their circumstances.