First law: 1959.

Current laws: 1972 (Law No. 1-72-184 of 27 July, on the social security scheme); 1981 (Law No. 1-81-178 of 8 April, extending coverage to agricultural and forestry workers); and 2004 (Law No. 17-02 of 4 November, on early retirement).

Type of program: Social insurance system.

Salaried workers and apprentices in industry, commerce, forestry, agricultural cooperatives, and associations; persons employed by landlords, craftsmen, and certain categories of self-employed persons; and certain categories of fishermen.

Voluntary coverage for previously insured persons.

Exclusions: Self-employed persons.

Special systems for civil servants and other categories of employees.

Insured person: 3.96% of gross monthly earnings.

The minimum monthly earnings used to calculate contributions are the legal monthly minimum wage.

The legal monthly minimum wage is 1,433 dirhams in the agricultural sector and 2,028 dirhams in the nonagricultural sector.

The maximum monthly earnings used to calculate contributions are 6,000 dirhams.

Self-employed person: Not applicable.

Employer: 7.93% of gross monthly payroll.

The minimum monthly earnings used to calculate contributions are the legal minimum wage.

The legal monthly minimum wage is 1,433 dirhams in the agricultural sector and 2,028 dirhams in the nonagricultural sector.

The maximum monthly earnings used to calculate contributions are 6,000 dirhams.

Government: None.

Old-age pension: Age 60 (age 55 for miners with at least five years of work underground) with at least 3,240 days of coverage. Employment must cease.

Insured persons who do not meet the coverage qualifying condition at the normal age of retirement can continue to work and contribute on a voluntary basis.

Early pension: Age 55 with at least 3,240 days of coverage if the employer agrees to pay the National Social Security Fund an amount equivalent to the value of the pension.

Disability pension: The insured must be assessed with a total loss of earning capacity resulting from a nonoccupational injury and have at least 1,080 days of coverage, including at least 108 days in the 12 calendar months before the disability began. There is no minimum qualifying period for a disability resulting from an accident.

Constant-attendance supplement: Paid if the insured requires the constant attendance of others to perform daily functions.

Survivor pension: The deceased qualified for the disability pension or was a pensioner at the time of death.

Eligible survivors are the widow(er) and orphans younger than age 16 (age 18 if an apprentice, age 21 if a student, no limit if disabled).

Old-age pension: The pension is 50% of the insured's average monthly earnings in the last 96 months plus 1% of average monthly earnings for every 216 days of insurance exceeding 3,240 days, up to 70%.

The maximum average monthly earnings used to calculate benefits are 6,000 dirhams.

The minimum pension is 600 dirhams.

The maximum pension is 70% of average monthly earnings.

Benefits are paid monthly or quarterly.

Benefit adjustment: Benefits are adjusted periodically. (The last adjustment was in March 2008.)

Disability pension: The pension is 50% of the insured's average monthly earnings in the last 96 months plus 1% of average monthly earnings for every 216 days of insurance exceeding 3,240 days, up to 70%.

The maximum average monthly earnings used to calculate benefits are 6,000 dirhams.

Constant-attendance supplement: 10% of average monthly earnings is paid.

Benefits are paid monthly or quarterly.

Benefit adjustment: Benefits are adjusted periodically.

Survivor pension: 50% of the deceased's pension is paid to the widow(er).

Orphan's pension: 25% of the deceased's pension is paid for each eligible orphan; 50% for each full orphan.

All survivor benefits combined must not exceed 100% of the deceased's pension.

Funeral grant: A lump sum of 10,000 to 12,000 dirhams is paid.

Benefit adjustment: Benefits are adjusted periodically. (The last adjustment was in March 2002.)

Ministry of Employment and Vocational Training (http://www.emploi.gov.ma) provides general supervision.

Ministry of Employment and Vocational Training
Avenue Mohamed V, Hassan,
Rabat,
Morocco

Tel.: +(212) 037 76 05 21

National Social Security Fund (http://www.cnss.ma), managed by a tripartite board and director general, administers the program.

National Social Security Fund
Blvd Mohamed V, No. 649,
BP 2222,
MA Casablanca,
Morocco

Tel.: +(212) 22 54 70 54
Fax: +(212) 22 24 55 40