CNSS — National Social Security Fund
Short definition
Public body managing social security for private sector employees in Morocco (retirement, health, family allowances).
Detailed definition
CNSS is public establishment responsible for social security of private sector employees in Morocco. Mandatory affiliation from day 1 of hiring. Manages 4 regimes: retirement (pension at 65), AMO (health), family allowances, job loss compensation. Total contributions ≈ 22% (employee 6.74% + employer 15.26%). Contribution cap: 6,000 MAD/month for retirement.
Concrete example
10,000 MAD/month salary: employee CNSS contributions 674 MAD, employer 1,526 MAD. Estimated retirement pension ≈ 5,500 MAD/month (55% of salary) after 30 years contribution.
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