CMRC: Useful Information to Remember in 2025

CMRC (Caisse Monégasque de Retraite Complémentaire) has been taking care of my new supplementary pension plan since January 1, 2024. 
If I work or have previously worked as a private sector employee in the Principality of Monaco, the points I acquired during these periods have been transferred from my AGIRC-ARRCO account to my CMRC account, based on the information provided by AGIRC-ARRCO.

What is the useful information to remember and what changes for me from 2025:

From January 2025: how will I be informed of the transfer of my points 

AGIRC-ARRCO and CMRC have coordinated to facilitate the continuity of informing me about my rights: 

• If I worked in Monaco in 2023: AGIRC-ARRCO will send me by mail, a document summarising my entire career as an employee in Monaco, indicating the periods and points transferred to the CMRC at the end of 2024.
• If I did not work in Monaco in 2023 or I no longer work in Monaco: I have already received from AGIRC-ARRCO in January 2024, a letter that precisely includes the periods that were transferred at the end of 2023 by AGIRC-ARRCO to CMRC.
• If I applied for a career correction in 2024 and it has been processed:  I received a document from AGIRC-ARRCO specifically including the periods concerned by the correction request. I will not receive a further letter in 2025. 2025.

Useful to know: 

• If I worked in Monaco in 2023: the points acquired during this period were transferred to CMRC at the end of 2024.
• 1 CMRC point = 1 former AGIRC-ARRCO point
• Periods worked in France continue to be managed by the French supplementary pension plan: AGIRC-ARRCO.

From 2025: what changes on my AGIRC-ARRCO points statement? 

• My periods of activity in Monaco have been transferred to CMRC and no longer appear on my AGIRC-ARRCO points statement.
• If I also worked in France: only my periods of activity in France remain visible on my statement.
• If my career is exclusively Monegasque: I no longer have an AGIRC-ARRCO points statement, nor access to the AGIRC-ARRCO personal space.
• If I applied for a career correction to AGIRC-ARRCO in 2024, the periods concerned have been transferred and are no longer visible on my statement. 

From 2025: what changes on my CAR-CMRC Career Statement? 

• From 2025: my annual CAR Career Statement becomes my CAR and CMRC Career Statement. 
•  It includes my CAR points as well as my CMRC points, integrating the supplementary pension points taken from AGIRC-ARRCO.
• If I worked in Monaco in 2024: CAR and CMRC points accumulated in these periods will appear on my annual Career Statement issued in July 2025.
• For further information about my Career Statement and how to access it, I can consult these pages How to obtain or request my CAR-CMRC Career Statement:
  https://www.info-retraite.mc/en/understanding-my-retirement/how-do-i-obtain-or-request-my-car-and-cmrc-career-statement

From 2025: who do I contact about my career and retirement in Monaco?

• For periods of salaried activity in Monaco: 
  Service Info-Carrière des Caisses Sociales de Monaco.
  info-carriere@caisses-sociales.mc
  Tel.: (+377) 93 15 41 30
  
  A physical reception is at my disposal to support me in procedures about my career:
  From Monday to Friday, from 8:30 a.m. to 12:00 noon without an appointment.
• Go to the Service Retraite: Flor-Offices - Ground floor - 10, rue Princesse Florestine.
• For periods of salaried activity in France (mixed career): 
  My plan manager such as AGIRC-ARRCO for supplementary pension:
  https://www.agirc-arrco.fr/ or Assurance Retraite for basic pension in France: 
  https://www.lassuranceretraite.fr/portail-info/home.html

A physical AGIRC-ARRCO permanence is also available to inform me about my supplementary pension if I have a mixed career:
Every Thursday at the USM premises at 28, bd Rainier III in Monaco. An appointment is required at 09 70 660 660 or directly on the AGIRC-ARCCO website > Espace personnel > Contactez-nous [> Personal Space > Contact Us]. The service is free.

FAQ : The answers to the most frequently asked questions:

Am I currently or have I been an employee in the private sector, or am I simply already retired in Monaco? I can find in the FAQ (Frequently Asked Questions), all the answers to the questions I have to help me understand how retirement works in Monaco:
https://www.info-retraite.mc/en/frequently-asked-questions-about-the-cmrc-la-caisse-monegasque-de-retraite-complementaire