The RCAR (Régime collectif d’allocation de retraite) is Morocco’s mandatory pension scheme for contractual staff of central government, local authorities, public establishments and certain public enterprises. Created in 1977 and operational from 1978, it is administered by the Caisse de dépôt et de gestion (CDG).
Who is covered
- Contractual staff of public administrations and local authorities;
- Employees of public establishments not covered by CMR;
- Employees of certain public enterprises that have signed up;
- Dependants (surviving spouses, orphans).
Schemes
- A general regime — mandatory;
- A complementary regime — optional, on a funded basis, above defined pay thresholds.
Benefits
- Retirement (old-age) pensions;
- Invalidity pensions;
- Survivor and orphan pensions;
- Lump-sum death benefits in some cases.
Financing
RCAR combines pay-as-you-go and partial funding, with employer and employee contributions set by regulation. Benefits are computed on career length and reference salary.
Online services
The rcar.ma portal provides career statements, pension simulations, file tracking and certificates.
Where RCAR fits
RCAR sits alongside CNSS (private sector), CMR (civil service), CIMR (private complementary) and a few employer-internal schemes. Structural pension-system reform directly affects RCAR.