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Monaco social security 2025–26 – contribution rates, pensions, family allowances and parental leave

Last updated 25 September 2026Rules checked every MondayOfficial sourcesSources & methodology →

Monaco's payslip has its own logic: the employer pays the whole health contribution, you pay towards your pension and unemployment cover, and a Monegasque fund has replaced the French supplementary pension. Here are the rates and ceilings in force, the family allowances and what parental leave looks like.

A woman walks hand in hand with a toddler beside a pushchair along a sunlit residential street in Monaco
Illustration: Relocate in Europe

Monaco social security is run by five bodies known together as the Caisses Sociales de Monaco: the CCSS for health and family benefits, the CAR for basic pensions, the CMRC for supplementary pensions, and the CAMTI and CARTI for the self-employed. The rates below are those in force at the time of writing, most since 1 October 2025; the October 2026 revision had not been published when this was read. Three changes frame the picture: the CMRC replaced AGIRC-ARRCO on 1 January 2024, the unemployment ceiling rose to €16,020 on 1 January 2026, and since 1 August 2026 survivors' pensions are open to widowers as well as widows.

Monaco social security contributions: what comes off your payslip

The CCSS is financed by the employer alone: 13.15 per cent plus 0.25 per cent for occupational medicine makes 13.40 per cent, and employers also liable to the CGCS levy add 0.05 per cent for 13.45 per cent, on pay up to €9,800 a month. Your own deductions are the CAR pension contribution, the employee share of the CMRC and unemployment insurance. The French abolition of the employee unemployment contribution in 2019 does not apply in Monaco, so you still pay 2.40 per cent.

SchemeEmployerEmployeeMonthly ceilingSince
CCSS – health, maternity, family13.45 per cent (13.40 where the 0.05 CGCS levy does not apply)None€9,8001 October 2025
CAR – basic pension8.33 per cent6.85 per cent€6,1121 October 2025
CMRC – supplementary pension, tranche A60 per cent of 10.02 per cent (7.87 rights-generating plus 2.15)40 per cent of 10.02 per centUp to €3,9711 October 2025
CMRC – tranche B60 per cent of 24.29 per cent (21.59 plus 2.70)40 per cent of 24.29 per centFrom €3,971 to 8 times that ceiling1 October 2025
Unemployment – French Unédic scheme4.00 per cent2.40 per cent€16,0201 May 2025 (rate); 1 January 2026 (ceiling)

Source: Caisses Sociales de Monaco, read 24 September 2026.

Contributions are due by the 10th of the month following the pay month. Points earned in Monaco before 2024 were transferred from AGIRC-ARRCO at one CMRC point per former point; periods worked in France stay with AGIRC-ARRCO. The 5 per cent indemnité exceptionnelle added to minimum wages carries no contributions at all.

Self-employed people pay a flat CAMTI health contribution of €1,101 a quarter for 2025–26, and a CARTI pension contribution in one of four classes earning one to four points a month – €550.08, €1,100.16, €1,650.24 or €2,200.32 a quarter from 1 October 2025, class 1 being reserved for average monthly income below €3,014; the class can be changed between 1 October and 15 November, and the point is worth €17.584. Since 12 December 2024 all of it is paid by direct debit.

Pensions: CAR, CMRC and the 2026 change for surviving spouses

The CAR pays a full pension from 65 and an early pension from 60, or from 55 for mothers who raised at least three children for eight years before their 16th birthday. Entitlement needs at least 10 years of salaried activity. Law 1.595 of 29 June 2026 changed the pension de réversion (survivor's pension): from 1 August 2026 it is open to the surviving spouse regardless of sex from age 50, or immediately with a dependent child, at the CAR and by extension the CMRC and the CARTI.

PensionWhoWhen
CAR full pensionEmployees with at least 10 years of salaried activityFrom 65; apply within 12 months of the birthday
CAR early pensionSameFrom 60; from 55 for mothers of three children raised for 8 years before age 16
CMRC supplementary pensionPrivate-sector employees, since 1 January 20241 CMRC point per former AGIRC-ARRCO point
Survivor's pensionWidows and widowers alikeFrom 50, or at once with a dependent child – since 1 August 2026

Source: Caisses Sociales de Monaco, read 24 September 2026.

Unemployment: a French scheme with Monaco rules

Unemployment insurance follows the French Unédic scheme, whose November 2024 convention applies to Monaco employers through an extension amendment. Living in Monaco, you register with the Service de l'Emploi, 17 rue Princesse Florestine, by appointment, and are compensated by France Travail; if you live in France, you contact the France Travail office near your home. Each compensated day counts as six hours of salaried work for CCSS eligibility, and your health cover follows your place of residence.

Family allowances and the other family benefits

The CCSS pays allocations familiales (family allowances) at rates set each year by its committees. The head of household must work at least 75 hours a month; the amount is prorated between 75 and 144 hours and paid in full from 145. Entitlement also depends on nationality and residence conditions under Monaco's social-security conventions.

Child's agePer child per month from 1 October 2025
0 to 3€171.00
3 to 6€256.50
6 to 10€307.80
Over 10€359.10

Source: Caisses Sociales de Monaco, read 24 September 2026.

BenefitConditionAmount or timing
Prenatal allowanceHead of household lives in Monaco; pregnancy declared within 3 months of conception€171.00 per month of pregnancy, in three fractions after the 3rd-, 6th- and 8th-month and postnatal check-ups
Back-to-school allowance 2026Quotient familial not above €1,268€157 (0–3), €236 (3–6), €281 (6–10), €331 (over 10), automatically from the end of August
Housing allowance60 months' residence in Monaco or 60 months' CCSS registration; 75 hours' workRent counted up to three times the neighbouring country's ceiling
Crèche and day-nursery contributionBoth parents work at least 75 hours; approved facility in Monaco or a conventioned crèche in a neighbouring French townApply within 30 days of the start of placement

Source: Caisses Sociales de Monaco, read 24 September 2026.

The Mairie de Monaco (town hall) runs close to 400 childcare places, in priority for Monegasque children and residents – part 10 covers crèches and schools.

Maternity, paternity and adoption leave

Maternity pay is 90 per cent of your average gross daily wage over the 12 months before prenatal leave, if you are salaried, stop work for at least eight weeks and worked at least 75 hours in each relevant month; up to six weeks of prenatal leave can be moved to after the birth on medical advice. Paternity leave was extended for leave starting on or after 16 December 2023: 21 days, or 28 for multiple births or when the household already has at least two dependent children, Sundays and holidays included, up from 12 and 19. It is taken in one block within four months of the birth, with two weeks' notice to the employer, and claimed within three months.

LeaveLengthPay
Maternity, single birth, fewer than 2 children already18 weeks (8 before, 10 after)90 per cent of average gross daily wage
Maternity, single birth, 2 or more children already26 weeks (8 before, 18 after)90 per cent
Maternity, twins34 weeks (12 before, 22 after)90 per cent
Maternity, more than two babies46 weeks (24 before, 22 after)90 per cent
Paternity21 days; 28 for multiple births or 2 or more dependent children90 per cent
AdoptionUp to 8 weeks; 10 for multiple adoptions or 2 or more dependent children; can be shared; 4 weeks' noticePaid by the CCSS

Source: Caisses Sociales de Monaco, read 24 September 2026.

What to do now

StepWhatWhen
1Check your first payslip against the rates aboveFirst month
2Self-employed: choose your CARTI class and set up the direct debitWithin one month of starting
3Send marriage and birth certificates to the Caisses Sociales for family allowancesOnce registered
4Pregnant: declare the pregnancy to the CCSSWithin 3 months of conception
5New father: give the employer two weeks' notice and claim the leaveWithin 4 months of the birth
6Questions: family benefits (+377) 93 15 43 77, pensions (+377) 93 15 49 59When you settle

Source: Caisses Sociales de Monaco, read 24 September 2026.

Official sources

The official pages this guide is based on, read 24 September 2026. Links open the authority’s own website.

Relocate in Europe provides general information, not legal or financial advice for your individual situation. Check with the authority named above before you act – rules change, and your case may differ.