CIMR Private Sector Pension in Morocco: Rights and Steps for MRE

Possibly, it depends on whether your former employer was affiliated with CIMR. CIMR is an optional supplementary scheme: only employers who join it make their employees contribute. If your employer was affiliated, your points are in the CIMR database and have not been lost despite the 15 years that have passed. Log in to cimr.ma with your national ID or send an email to CIMR to check. If rights are confirmed, you can liquidate them from age 60.

Verification is done online at cimr.ma. Access the insured account and log in with your CIMR number (on your old pay slips) or your Moroccan national ID. You will immediately see your points statement and contribution history by employer. If you do not remember your login details, contact CIMR by email providing your name, national ID, and former employer name. The response generally takes 5 to 10 business days.

Each year, your CIMR contributions purchase points according to the formula: Annual points = (Annual gross salary x employer contribution rate) / Point purchase price. The point purchase price and service point value are set annually by CIMR. In 2026, the service point value is approximately 6.20 MAD per year. For liquidation: Annual pension = Total number of points x service point value. The higher your salary and contribution period, the more points you accumulate.

Yes, completely. CIMR, CNSS, and CMR are three independent schemes that can be combined. In practice: if you worked in Morocco''s private sector, you likely have CNSS rights (basic scheme) and possibly CIMR rights (supplementary scheme). If you were then a civil servant, you have CMR rights. These three pensions can be paid simultaneously, in addition to your French or foreign pension. Each organization manages and pays its pension independently.

Yes. CIMR can transfer your pension directly to a European bank account. Provide your IBAN and BIC/SWIFT when filing the liquidation application. The pension is paid in dirhams and converted upon transfer. To avoid high exchange fees, open an MDM account at a Moroccan bank such as Banque Populaire, CIH, or Attijariwafa. This convertible dirham account lets you receive the pension in MAD and freely transfer it to Europe when you choose, selecting the most favorable moment.

This is not a problem for recovering your CIMR rights. CIMR maintains a complete contribution history in its databases, regardless of whether your former employer still exists. Simply contact CIMR directly by email or through the portal with your personal information: name, national ID, approximate employment period, and city. They can locate your contributions even if your former employer has closed, merged, or changed its name.

In the event of death before or after liquidation, CIMR provides a survivor pension for the surviving spouse (generally 60% of the deceased''s pension) and orphans up to age 21 or without limit if disabled. You can also designate a beneficiary for the death benefit provided by the CIMR provident scheme. To update your beneficiaries, log in to your insured account on cimr.ma or send a signed designation form to CIMR.