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Orphans' pension
Applying for a Pension
- Where to apply for a pension
- If the deceased parent (or legal guardian) had a pension from Agirc-Arrco for a Monegasque career
- The request for a survivor's pension must be submitted to the supplementary pension fund to which the deceased parent belonged.
- If the deceased parent (or legal guardian) did not have a pension from Agirc-Arrco for a Monegasque career
- In the event that the death of the parent occurred before 2024
- The request for a survivor's pension must be submitted to the supplementary pension fund to which the deceased parent belonged.
- In the event that the death of the parent occurred in 2024 or later
- The request for a survivor's pension must be submitted to the Service Retraite of the Caisses Sociales de Monaco.
- How to apply for a pension from CMRC
- A single procedure will allow you to claim these rights from CAR and CMRC.
- The request for a survivor's pension must be made to the Service Retraite who will give you an application form and the list of supporting documents to provide.
- The pension rights acquired by (or provided to) the father, mother or legal guardian, may revert to an orphan.
- The format of the request depends on the age of the orphan:
- If the child is a minor: the request is made by the surviving parent or legal guardian.
- If the dependent is an adult: it is drafted personally.
Conditions
Conditions of Activity
- Opening Rights
- Entitlement to a supplementary survivor's pension provided by CMRC depends on the fact that the right to a basic survivor's pension is established with CAR.
- You will find information relating to the activity status of the deceased parent on the dedicated page
Age Requirement
- Age Requirement
- The pension is granted under the following conditions:
- until the day the dependent turns 18: in all cases,
- between 18 years of age and the day before the 25th birthday: for orphaned students or apprentices.
- This right expires at the latest on the eve of the 25th birthday.
- The pension is granted under the following conditions:
Pension Effective Date
- How is the effective date of the pension set?
- An orphan has twelve months to submit a written request for a survivor's pension, by mail or to our Pensions Reception Service.
- This period runs from the day on which the conditions of entitlement are met.
- After this period, the request will take effect on the first day of the calendar quarter during which it is presented.
- The effective date of your CMRC supplementary survivor's pension will be aligned with that of CAR.
- To find out more about the effective date of CAR survivor’s pension
Calculation
- How is the amount of pension calculated
- The amount of the survivor's pension depends on:
- - From the annual value of the point, i.e. €1,5485 as of October 1, 2024
- It is defined by the following formula:
- Monthly Retirement Amount = (number of retirement points) X (rate) X (point value) /12
- - The total number of supplementary retirement points credited to the deceased parent's account, to which a rate is assigned:
- Orphan of father OR mother: 25% of the direct rights acquired by the deceased parent.
- Orphan of father AND mother: 50% of the highest direct rights acquired by the father or mother.
- The following are thus taken into account:
- Points acquired from Agirc-Arrco for Monegasque periods prior to January 1, 2024 and which were transferred by Agirc-Arrco to CMRC
- Points acquired from CMRC for periods of activity, or similar, from January 1, 2024.
Payment
- Payment Arrangements
- The pension is paid by transfer to a bank or postal account in the name of the beneficiary:
- For each calendar month, if resident in Monaco, France or Italy, payment takes place on the first working day of the following month.
- For each calendar quarter, if resident outside the three previously named countries.
- The pension is paid by transfer to a bank or postal account in the name of the beneficiary:
- Payment Conditions
- The pension is paid:
- For a minor child, to the account of the legal guardian,
- For an adult child, to their own account.
- The documents to be provided are as follows:
- For a student aged between 18 and 25: a school certificate, issued each year in October,
- For an apprentice aged between 18 and 25: copies of the apprenticeship contract, payslips and a certificate of attendance at training courses.
- The right to an orphan's pension expires on the eve of the 25th birthday.
- Between 18 and 25 years of age, any change occurring in your situation as an apprentice or student must be reported immediately to our services.
- The pension is paid:
Change of Situation
- Penser à signaler tout changement de situation
- Any change in your situation may have an impact on your rights and payments.
- Between 18 and 25 years of age, any change occurring in your situation as an apprentice or student must be reported immediately to our services.
- This must be reported without delay, by returning the forms completed and accompanied by the necessary supporting documents to the Service Retraite:
- Change of address Change in family status Change of nationality
Contact Service Retraite
- Service Retraite
- Pension Reception
- Monday to Friday from 8.30 a.m. to 12 noon without appointment
- Flor-Offices - Ground floor - 10, rue Princesse Florestine
- Telephone Reception - Monday to Friday from 8.30 a.m. to 12 noon and from 2 to 5 p.m.
- Tel.: (+377) 93 15 49 59
- retraite@caisses-sociales.mc
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