In a landmark move for retirees, Morocco’s National Social Security Fund (CNSS) announced on Monday that the long-awaited old-age pension will officially take effect starting May 1, 2025. More importantly, the measure will be applied retroactively, covering eligible individuals from the actual date of their retirement.
The official statement from CNSS clarifies that under Decree 2.25.265, any individual who retired between January 1, 2023, and the day the new law 02.24 comes into force — and who has logged at least 1,320 days of contributions but fewer than 3,240 — will be entitled to receive these retroactive payments. Social policy advocates have welcomed the measure, seeing it as a necessary step to bridge the gap caused by the delay in implementing the updated legal framework.
The pension amount itself, which ranges from 600 to 1,000 dirhams depending on the total number of contribution days, also includes coverage under the Mandatory Health Insurance (AMO) plan. This ensures that retirees not only receive financial support but are also covered by health insurance, reinforcing the CNSS’s mission to provide more comprehensive protection during post-working years.
In the event of the death of a contributor who had accumulated the minimum 1,320 days, their legal beneficiaries will be eligible for a survivor’s pension. For those who did not reach that threshold, the CNSS has established a reimbursement mechanism. This includes the return of both the employee’s and the employer’s contributions, in line with the current laws governing social security.
Beginning May 1, 2025, individuals eligible under this new pension system can submit their applications through the CNSS digital portal “TAAWYDATI” or by visiting their nearest CNSS branch. This dual access option is part of the agency’s ongoing push to make rights and benefits more accessible and easier to claim.
In a related move under Decree 2.25.266, CNSS is also preparing a specialized framework for calculating social contributions among share-based fishing workers — a group often left on the fringes of the formal system. The rules for computing their working days and the distribution of total vessel income are expected to be outlined soon in a forthcoming decision by the Minister of Economy and Finance. This initiative aims to ensure year-round social and medical coverage for these workers and their families, offering more stability in a traditionally precarious sector.
Both decrees — 2.25.265 on retirement pensions and reimbursement of contributions, and 2.25.266 addressing income smoothing for share-based fishermen — were formally approved last Thursday during a meeting of the government council. Together, they reflect the state’s growing focus on adapting the social safety net to better meet the diverse realities of today’s labor market.
