Social Security in Monaco: CCSS Complete Guide

Monaco's social security system

Monaco operates its own social security system, separate from the French one in almost every branch. The Caisses Sociales de Monaco (CSM), at 11 rue Louis Notari, is the umbrella body — but it is not a single fund. Five funds sit under it: the CCSS (Caisse de Compensation des Services Sociaux) for sickness, maternity, invalidity, death and family benefits; the CAR (Caisse Autonome des Retraites) for the basic pension; the CMRC for the supplementary pension since 2024; and CAMTI and CARTI for the self-employed. "CCSS" is often used as shorthand for the whole system, but it names only the first of them.

If you are employed in Monaco, your employer is required to register you with the CCSS, and contributions are deducted from your salary automatically.

What the system covers

Monaco's social security provides coverage across several branches:

Health insurance (CCSS)

Medical expenses are covered through the CCSS, which reimburses 80 per cent of the official reference tariff for approved healthcare — around €27.28 on a €34.10 general-practitioner consultation, €36.48 on a €45.60 specialist consultation. The remaining ticket modérateur is normally carried by a mutuelle. Holders of a carte verte, issued for long-term conditions, are exempt from it. See CCSS health insurance for the detail.

Retirement pension

Monaco's pension system is contribution-based. Both employees and employers contribute throughout the working life. Key points:

• Full retirement age: 65 years
• Early retirement: from 60 with at least ten years of activity, and from 55 for mothers of three or more children
• Pension calculation: a points scheme — contributions buy points, and the pension is the points accumulated multiplied by the point value at the time it is drawn. There is no "best years" average-salary calculation of the French kind
• Supplementary layer: the CMRC has been compulsory for private-sector employees since 1 January 2024

Family allowances

The CCSS provides family allowances including:

• Birth and adoption grants
• Monthly family allowances for children
• Maternity leave benefits — 18 weeks (eight before the birth, ten after), 26 weeks from the third child, paid at 90% of gross daily salary
• Paternity leave benefits
• Childcare support for young children

Workplace accident insurance

This branch is not run by the Caisses Sociales at all. Monegasque employers insure the work-accident and occupational-disease risk with private insurance companies, at around 4% of payroll depending on the trade. If you are injured at work, medical costs are covered and compensation is paid during recovery.

Unemployment — the French scheme

Monaco has no unemployment fund of its own. Employees in the Principality contribute to French unemployment insurance (4.05% employer, 2.40% employee) and claim from France Travail under French rules.

Contribution rates

Social security contributions are shared between employee and employer:

Contributions are shared, but not evenly, and not in the way most published summaries suggest. The rates below are those in force for the financial year opened on 1 October 2025.

The point worth holding on to is that employees contribute nothing towards health cover in Monaco: sickness, maternity, invalidity and family benefits are financed entirely by the employer. The employee total therefore lands at roughly 12–14% of gross and the employer total at roughly 35–40%.

Rates and ceilings are revised each 1 October. Employer social charges works through the payroll consequences.

Registration and administration

When you start employment in Monaco:

1. Your employer registers you with the CCSS
2. You receive a social security number (numero d'assure)
3. A carte d'immatriculation assuré is issued — digital only since 2025, in your CSM personal space or the CSM app, with an FSE code for electronic claims. Monaco has no carte Vitale
4. Contributions are deducted from your first payslip

The Caisses Sociales are at 11 rue Louis Notari, open Monday to Friday 08:30–12:00 and 13:30–17:00. Most routine business is handled from the personal space online. Registering with Monaco social security sets out the sequence step by step.

Cross-border workers

If you live in France (or Italy) and work in Monaco, you are covered by the Monaco social security system, not the French one. This is a common arrangement for the approximately 56,000 cross-border workers employed in the Principality.