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Social Security

Morocco - Social Security


The social security system known as Caisse National de Securite Sociale (CNSS) serves employees in the fields of agriculture, commerce, craftsmanship, fishery, forestry, liberal professions and industry. It is mandatory for all employers to participate in the program and they are responsible for enrolling all employees in the program. Expats are considered an equal part of the Moroccan workforce. With regards to expats participation in social security, participate fully, and are afforded the same benefits as Moroccans. Benefits of social security in Morocco include maternity leave, sickness and invalidity allowances, disability compensation, retirement pensions, and death allowances. The social security system also covers industrial and commercial workers any daily allowances for illness and injury not covered by workman’s compensation. Employers contribute approximately 6% of the company payroll to social security, while employees contributions are about 3% of earnings. This amount is automatically deducted from an employees payroll so no further action is needed by the employee for contribution.

Morocco has several bi-lateral social security agreements with other countries. Those countries are France, Belgium, Spain, Sweden, Germany, Denmark, Romania, Libya, Tunisia, Canada, and Portugal. There are several other countries that have not yet signed agreements or are still in negotiation.

There are two official websites of Morocco where expats can find information regarding social security in Morocco:

National Social Security Fund: www.cnss.ma

Moroccan Retirement Fund: www.cmr.gov.ma

Private insurance is available, and although not entirely necessary, foreigners might consider a personal policy with greater benefits in case of accident, injury or death as well as for retirement pensions.


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Expat Health Insurance Partners


Bupa Global

At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.

Cigna

Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.