CNSS in Morocco: what every employee must understand

What is CNSS?

The National Social Security Fund (CNSS) is the Moroccan public body responsible for managing social protection for private-sector employees. Created in 1961, it now covers more than 3.5 million active employees.

Registration with CNSS is mandatory for every private-sector employer. From your first day of work, your employer must register you. You then receive a registration number to keep carefully throughout your career.

CNSS responsibilities

• Manage employees' and employers' social contributions
• Pay social benefits (health, maternity, retirement, death)
• Administer Compulsory Health Insurance (AMO)
• Manage the Unemployment Benefit (IPE)
• Pay family allowances

CNSS contributions: who pays what?

Contributions are shared between the employee and the employer. Here are the details of the current rates:

Employee share (deducted from your gross salary)

Employer share (paid by the employer)

Contribution ceiling

For social benefits (excluding AMO), a monthly ceiling of 6,000 DH applies. This means that even if your gross salary is 15,000 DH, the 4.48% contribution applies only to the first 6,000 dirhams, i.e. a maximum of 268.80 DH.

AMO, on the other hand, is calculated on the entire salary with no ceiling.

CNSS benefits

In exchange for your contributions, CNSS offers you several benefits:

Family allowances

• 300 DH/month per child for the first 3 children
• 36 DH/month per child from the 4th onward (max 6 children)
• Condition: have contributed at least 108 days in the last 6 months
• Paid until the child is 12 (21 if the child is a student)

Daily sickness benefits

• Paid from the 4th day of absence (3 waiting days)
• Amount: 2/3 of the average daily wage of the last 3 months
• Maximum duration: 52 weeks
• Condition: 54 days of contributions in the 6 months preceding the absence

Maternity benefits

• Duration: 14 weeks (98 days)
• Amount: 100% of the average daily wage (capped at 6,000 DH/month)
• Condition: 54 days of contributions in the 10 months preceding the absence

Retirement pension

• Minimum age: 60 (55 for miners)
• Condition: minimum 3,240 days of contributions (about 15 years)
• Calculation: 50% of the average salary of the last 96 months (capped), +1% per 216-day period beyond 3,240
• Minimum pension: 1,500 DH/month
• Maximum pension: 70% of the capped salary

Disability pension

• In case of permanent incapacity for work (non-occupational illness or accident)
• Condition: 1,080 days of contributions, including 108 in the last 12 months
• Amount: calculated like the retirement pension

Death benefit

• Lump-sum death benefit paid to the beneficiaries of the deceased employee
• Amount: between 10,000 and 30,000 DH depending on the contribution period

Compulsory Health Insurance (AMO)

Since 2005, AMO supplements CNSS basic benefits:

• Reimbursement of care: consultations, medications, hospitalizations
• Reimbursement rate: 70% outpatient, 90% inpatient (within the contracted network)
• Third-party payment: direct coverage in contracted clinics
• Coverage of dependents: spouse, children under 21 (26 if students)

Unemployment Benefit (IPE)

Since 2015, employees who are involuntarily dismissed can receive IPE:

Conditions

• Have lost your job involuntarily (dismissal, not resignation)
• Have contributed at least 780 days, including 260 in the last 12 months
• Register with ANAPEC within 60 days of losing your job
• Be fit for work and actively seeking employment

Amount and duration

• Amount: 70% of the average salary of the last 36 months
• Ceiling: monthly SMIG (about 3,111 DH)
• Duration: 6 months maximum
• AMO coverage is maintained during this period

How to check your CNSS status

There are several ways to check your registration:

Online

• Portal damancom.ma: insured area to view your declarations
• Mobile app Ma CNSS: real-time tracking
• You can check: number of declared days, declared salary, contribution history

At an agency

• Go to the nearest CNSS agency with your CIN
• Request a detailed career statement

What to do if your employer does not register you?

• This is a criminal offense punishable by a fine
• Report the situation to the labor inspectorate
• File a complaint with CNSS (online form or at an agency)
• Keep your payslips as proof

Practical tips

• Check each month that the CNSS amount on your payslip matches the legal rate
• Log in regularly to your damancom.ma account to check your declarations
• Keep all your payslips, even after changing employers
• If you change employers, your CNSS number stays the same: give it to the new employer
• Remember to update your bank details on the CNSS portal for benefit payments
• In case of sick leave, submit your file within a maximum of 6 months