CNSS Family Allowances Morocco 2026: Rates, Conditions and Calculation

1. CNSS Allowances 2026: MAD 300 per child

In 2026, the National Social Security Fund (CNSS) pays MAD 300 per month for each of the first 3 dependent children of a declared employee. For subsequent children (4th, 5th and 6th), the amount drops to MAD 36 per child per month. This schedule, unchanged since 2020, is paid directly into the employee's bank account, in addition to their net salary.

2. 6-child cap: total amount calculation

The cap is set at 6 dependent children per employee. Beyond that, no additional allowance is paid, regardless of the actual number of children. The maximum monthly amount is therefore MAD 1,008 when all 6 children are eligible, representing over MAD 12,000 per year of tax-free income supplement.

3. Eligibility conditions: age and schooling

• Child under 12: no specific condition, automatic allowance
• Child aged 12 to 16: mandatory school certificate (annual)
• Child aged 16 to 21: higher education proof required annually
• Disabled child: allowance maintained with no age limit (CNSS medical certificate)
• Adopted child or kafala: identical rights to biological children
• Employee: minimum 108 days contributed in 6 months to open entitlement

To qualify for CNSS family allowances in 2026, the child must meet specific conditions related to age and schooling. The employee must be declared with CNSS and have accumulated at least 108 days of contributions in the 6 calendar months preceding the request.

4. Declaration procedure via the employer

Dependent children must be declared through the employer, who forwards the file to CNSS. The employee must provide original supporting documents and sign the AF-1 form. The first payment is made within 60 days of CNSS receiving the complete file.

5. School certificates 6 to 21 years

• Annual school certificate signed and stamped by the institution
• University enrollment certificate for ages 18-21
• Valid student card (copy)
• For schools abroad: translated and legalized certificate
• Submission deadline: before October 31 of each school year

For children aged 6 to 21, a school certificate must be submitted to CNSS each year, otherwise the allowance is suspended. The certificate must be less than 3 months old at submission and issued by a recognized institution (public, accredited private, public university or accredited private university).

6. 2027 reform: increase to MAD 400

A reform bill filed with Parliament plans to raise family allowances to MAD 400 per child from January 2027, a 33% increase over the current schedule. The cap would remain at 6 children, bringing the maximum amount to MAD 1,272/month. This reform is contingent on the financial balance of the CNSS family benefits branch and on the 2027 finance law vote.

7. Special case: MREs declared with CNSS

Moroccans residing abroad (MREs) declared with Moroccan CNSS through a Morocco-based employer can receive family allowances under the same schedule. By contrast, MREs contributing to a foreign scheme (France, Spain, Belgium) fall under bilateral social security agreements and are not eligible for Moroccan CNSS allowances, unless the children reside in Morocco.

8. Children's complementary health: securing beyond AMO

The MAD 300 per child does not cover medical expenses. CNSS AMO covers 70% of the national reference rate, leaving a significant out-of-pocket amount for routine pediatric care (specialist consultations, orthodontics, glasses). A complementary health plan reduces this to 0% for a budget of MAD 150 to 400 per month per child depending on coverage.