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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

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. 
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.
  • 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.

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