The Caisse marocaine des retraites (CMR) is the Moroccan public establishment that administers pension schemes for civil servants and military personnel. Founded in 1930 and restructured by Law 43-95, it sits under the Ministry of Finance.
Schemes managed
- Civil pensions regime — for civil servants of central government, local authorities and certain public bodies;
- Military pensions regime — for the Royal Armed Forces, Royal Gendarmerie and paramilitary corps;
- Non-contributory regime — for specific categories (invalidity, eligible dependants);
- ATTAKMILI — an optional complementary capitalisation pension product.
Benefits
- Seniority and proportional retirement pensions;
- Invalidity pensions;
- Survivor pensions for a surviving spouse;
- Orphan pensions for minor children;
- Annual allowances for certain dependants.
How it works
CMR operates mainly on a pay-as-you-go basis with prudential reserves. Contributions are shared between the employer (State, local authorities) and the worker, at regulated rates. Pensions are calculated on seniority and reference pay from final years of service, with formulas specific to each regime.
Online services
The cmr.gov.ma portal enables:
- Consultation of a career statement and pension simulations;
- Tracking of pension files under liquidation;
- Download of certificates (affiliation, pension, payment).
Where CMR fits
CMR sits alongside CNSS (private sector, independents), RCAR (contractuals and public enterprises), CIMR (private complementary) and internal schemes at a few large state-owned employers. Pension-system reform has been under discussion for years.
Sources
- Official site: cmr.gov.ma
- French Wikipedia article: Caisse marocaine des retraites