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CMRC: Useful Information to Remember in 2025

Monday, 23 December 2024
Transferring my points, new CAR-CMRC Career Statement, who to contact about my career or to prepare for my retirement: here is the practical information to remember and what changes from 2025.

CMRC (Caisse Monégasque de Retraite Complémentaire) has been taking care of my new supplementary pension plan since January 1, 2024. 

If I work or have previously worked as a private sector employee in the Principality of Monaco, the points I acquired during these periods have been transferred from my AGIRC-ARRCO account to my CMRC account, based on the information provided by AGIRC-ARRCO.

What is the useful information to remember and what changes for me from 2025:


From January 2025: how will I be informed of the transfer of my points 

AGIRC-ARRCO and CMRC have coordinated to facilitate the continuity of informing me about my rights: 

  • If I worked in Monaco in 2023: 
    AGIRC-ARRCO will send me by mail, a document summarising my entire career as an employee in Monaco, indicating the periods and points transferred to the CMRC at the end of 2024.
  • If I did not work in Monaco in 2023 or I no longer work in Monaco: 
    I have already received from AGIRC-ARRCO in January 2024, a letter that precisely includes the periods that were transferred at the end of 2023 by AGIRC-ARRCO to CMRC.
  • If I applied for a career correction in 2024 and it has been processed: 
    I received a document from AGIRC-ARRCO specifically including the periods concerned by the correction request. I will not receive a further letter in 2025. 2025.

Useful to know: 

  • If I worked in Monaco in 2023: the points acquired during this period were transferred to CMRC at the end of 2024.
  • 1 CMRC point = 1 former AGIRC-ARRCO point
  • Periods worked in France continue to be managed by the French supplementary pension plan: AGIRC-ARRCO.


From 2025: what changes on my AGIRC-ARRCO points statement? 

  • My periods of activity in Monaco have been transferred to CMRC and no longer appear on my AGIRC-ARRCO points statement.
  • If I also worked in France: only my periods of activity in France remain visible on my statement.
  • If my career is exclusively Monegasque: I no longer have an AGIRC-ARRCO points statement, nor access to the AGIRC-ARRCO personal space.
  • If I applied for a career correction to AGIRC-ARRCO in 2024, the periods concerned have been transferred and are no longer visible on my statement. 


From 2025: what changes on my CAR-CMRC Career Statement? 

  • From 2025: my annual CAR Career Statement becomes my CAR and CMRC Career Statement. 
  •  It includes my CAR points as well as my CMRC points, integrating the supplementary pension points taken from AGIRC-ARRCO.
  • If I worked in Monaco in 2024: CAR and CMRC points accumulated in these periods will appear on my annual Career Statement issued in July 2025.
  • For further information about my Career Statement and how to access it, I can consult these pages How to obtain or request my CAR-CMRC Career Statement:
    https://www.info-retraite.mc/en/understanding-my-retirement/how-do-i-obtain-or-request-my-car-and-cmrc-career-statement


From 2025: who do I contact about my career and retirement in Monaco?

  • 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 at my disposal to support me in procedures about my career:
    From Monday to Friday, from 8:30 a.m. to 12:00 noon without an appointment.
    Go to the Service Retraite: Flor-Offices - Ground floor - 10, rue Princesse Florestine.
     
  • For periods of salaried activity in France (mixed career): 
    My plan manager such as AGIRC-ARRCO for supplementary pension:
    https://www.agirc-arrco.fr/ or Assurance Retraite for basic pension in France: 
    https://www.lassuranceretraite.fr/portail-info/home.html

A physical AGIRC-ARRCO permanence is also available to inform me about my supplementary pension if I have a mixed career:
Every Thursday at the USM premises at 28, bd Rainier III in Monaco. An appointment is required at 09 70 660 660 or directly on the AGIRC-ARCCO website > Espace personnel > Contactez-nous [> Personal Space > Contact Us]. The service is free.


FAQ : The answers to the most frequently asked questions:

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