The Régime Collectif d’Allocation de Retraite (RCAR) is a social welfare institution endowed with legal personality and financial autonomy, created by the Dahir on law n ° 1-77-216 of October 4, 1977 and managed by the Deposit and Management.

The purpose of the RCAR is to guarantee personal rights for the benefit of the member or his successors in respect of the risks of old age, disability, and death. To fulfill this mission, the RCAR is made up of a general scheme and a complementary scheme. The main rights guaranteed by RCAR are retirement, disability or death pensions, savings, family allowances and transfer of rights.

The Caisse Nationale de Retraites et d’Assurances (CNRA) is a public establishment managed by the Caisse de Dépôt et de Gestion through CDG Prévoyance. It operates in the areas of annuity management that it serves in compensation for work and traffic accidents. It also offers targeted retirement product offers and manages retirement and solidarity funds on behalf of the State. The CNRA also has an authorization allowing it to offer life insurance and capitalization products.