If the deceased spouse received 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 spouse belonged.
If the deceased spouse did not receive a pension from Agirc-Arrco for a Monegasque career
In the event that the death of the spouse occurred before 2024
The request for a survivor's pension must be submitted to the supplementary pension fund to which the deceased spouse belonged.
In the event that the death of the spouse occurred in 2024 or later
The request for a survivor's pension must be submitted to Service Retraite of Caisses Sociales de Monaco.
How to apply for a pension at 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 Service Retraite who will give you the application form and the list of supporting documents to provide.
The right to a pension for the benefit of the widow whose spouse has exercised an activity as an employee in the Principality, is assessed on the date of submission of the survivor's pension application form, bearing in mind that it expires in the event of remarriage or cohabitation.
Conditions
Activity Conditions
Opening rights
Entitlement to a supplementary survivor's pension provided by CMRC depends on the fact that a right to a basic survivor's pension is established with CAR.
A marriage duration of four years at the date of death, or
That the marriage was celebrated two years before the date on which the direct pension of the deceased spouse took effect.
Age Conditions
Age Conditions
Subject to satisfying the other conditions for entitlement, the widow has the option of requesting a survivor's pension:
Before age 50, if at least one child is dependent on the household on the day of the death of the entitled spouse,
From the age of 50, if there are no, or no longer are, dependent children on the day of the death of the entitled spouse.
The definition of dependent child
The status of head of household is accorded to the person who effectively and habitually assumes responsibility for the education and maintenance of the child. To be considered “dependent,” under Monegasque legislation, children must meet the conditions below.
Residence Condition
Children must reside under the roof of the head of the household, unless their removal is justified:
For health reasons,
By continuing studies,
By placement in an institution carried out in their interest.
Age Condition
Children must be under 21 years old.
From 6 to 16 years old, children must satisfy the school obligation or prove that they are unable to comply with this obligation due to their state of health.
Over the age of 16, children must:
Pursue secondary, higher or professional studies, or
Hold an apprenticeship contract and benefit from monthly remuneration lower than the minimum inter- professional growth salary (SMIC) less age reductions, or
Be looking for a first salaried employment and registered, for this purpose, with the Employment Service (in this case, Family Benefits can only be provided between the sixteenth and seventeenth birthday), or
Be medically unable to pursue studies or engage in professional activity.
When children carry out paid employment while continuing studies, they cease to have the status of dependent children as soon as the income derived from this activity is on average greater than €1,008.56 on 1 October 2023
Effective Date of Pension
How is the effective date of the pension defined?
The effective date of your CMRC supplementary survivor's pension will be aligned with that of CAR.
- 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 60% X (point value) /12
- The total number of supplementary retirement points credited to the account of the deceased spouse, affected by the rate of 60%,
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 the bank or postal account in the name of the beneficiary:
If resident in Monaco, France or Italy, at the end of each calendar month, payment takes place on the first working day of the following month.
If resident outside those three countries, at the end of each calendar quarter.
General Payment Conditions
Family status:
As the right to a survivor's pension expires in the event of remarriage or cohabitation, you will therefore be regularly asked for confirmation of your situation as a widow who has not remarried and is not cohabiting.
Life Certificate:
If you reside in MONACO, FRANCE or ITALY, you will be required to provide, according to the terms specified at our request, every two years, a life certificate.
If you reside outside these countries, the obligation to provide either a life certificate or a certificate of existence will be carried out every quarter, according to the terms specified individually by the Retirement Pensions Verification Service.
For a life certificate, the document must be issued by a competent authority (Consulate, Town Hall, Police, Doctor) on the dates indicated.
Change of Situation
Remember to report any change in situation
Any change in your situation may have an impact on your rights and payments.
This must be reported without delay, by returning these forms completed and accompanied by the necessary supporting documents to Service Retraite.
