The supplemental pension plan is a conventional plan open to members of RCAR. It is intended for members of the general plan with a salary higher than the maximum salary set annually and whose employer has signed the plan membership agreement.
Established with a mandatory General Plan (RG) and a conventional Complementary Plan (RC), RCAR has the task to guarantee individual rights in favor of the insured or his successors in respect of old age, disability and death.
Collective Retirement Allowance Plan (RCAR) is a retirement plan with legal personality and financial autonomy, created by Dahir No. 1-77-216 of 4 October 1977 and assigned to be managed by CDG. It covers common law contractual agents, non-incumbent state officials and local authority staff as well as employees of public bodies subject to financial control of the State.
The main rights guaranteed by RCAR for the benefit of its beneficiaries are:
Pensions for retirement, disability or death;
Savings;
Family allowances;
Transfer of rights.
CNRA provides expertise in the management of pension funds in the service of the following partners:
Pension AT / CNIA - Saada Assurance;
Pension Fund of the Bar of Casablanca;
Pension Plan for Members of the House of Representatives;
Pension Plan for Members of the House of Councillors;
Management of litigation at Collieries of Morocco;
Deferred pensions of ONCF, DRAPOR and ODEP;
Management of labour funds.
RECORE (Complementary Pensions): launched in 1988, RECORE is a supplementary pension product, with voluntary membership, designed to cover certain socio-professional categories not eligible for the basic systems, as well as those having an additional retirement requirement.
CNRA manages two types of annuities:
Workmen's Compensation Annuities (AT): the role of CNRA is to receive the capital amount of annuities awarded by legal judgement as compensation for accidents or in common law, and to provide annuities to beneficiaries.
Traffic Accidents Annuities (AC): CNRA's mission is to receive as a lump sum the amount of compensation due to victims or their minor dependents, and to distribute it as pensions to beneficiaries.
In accordance with its original mission with a social purpose, CNRA works in the following areas:
Managing annuities;
Retirement and pensions;
Management mandated on behalf of the State or third parties.
The National Pension and Insurance Fund (CNRA) is a public institution with legal personality and financial autonomy, created by Dahir No. 1-59-301 of 27 October 1959 and entrusted to be managed by CDG. CNRA's mission is to:
Grant insurance for immediate, life, temporary and deferred annuities;
Receive constituent capital of annuities authorized by judicial decisions as compensation for accidents at work or common law;
