Scope and registration
- The scheme covers the categories of professionals and self-employed persons designated progressively by decree, profession by profession.
- Registration with the CNSS and payment of contributions are compulsory.
- The contribution base is either a flat amount or income-related, depending on the professional category.
Benefits
- Old-age pension subject to conditions of age and contribution period.
- Invalidity pension and pensions for dependants in the event of death.
- Periods without contributions may, under certain conditions, be bought back.
Key articles
A lawyer's points to watch
- Coverage depends on the decree specific to each profession: check the date of entry into force for yours.
- Unpaid contributions generate late-payment surcharges and block the award of the pension.
- This scheme operates alongside compulsory health insurance for the self-employed, without replacing it.
The English text on this page, including the quoted articles, is an unofficial translation. Information sheet prepared by Maître Lahfaia Law Firm, Rabat. It does not constitute legal advice. Only the text published in the Official Bulletin of the Kingdom of Morocco is authoritative; the articles cited may have been amended since this sheet was written.