CNSS Reform 2026: Threshold Lowered to 1,320 Days and What It Means for MRE

Decree No. 2.25.265 of 1 May 2025 lowered the contribution threshold required to access a CNSS retirement pension. This change, in force for over a year, deserves a full review for MRE who have contribution years in Morocco from before their departure or who contribute voluntarily from abroad.

What changed

Before the decree, 3,240 contribution days (approximately 9 years) were required to claim a CNSS pension. The decree lowers this threshold to 1,320 days, roughly 3 years and 8 months.

This reform opens pension rights to thousands of workers who had contributed for a few years in Morocco before moving abroad and could not reach the old threshold. For them, checking their accumulated contribution days has become a worthwhile step.

Conditions that have not changed

The minimum retirement age remains 60 (55 for certain physically demanding professions). Reaching 1,320 days does not give access to the maximum pension: it is calculated pro-rata based on total contribution days over the full career.

Voluntary contributions from abroad remain possible through the MDM-CNSS scheme. This allows topping up an insufficient balance to reach the threshold or increase the final pension.

Three practical situations

An MRE who worked 5 years in Morocco before moving to France has approximately 1,560 contribution days, already above the new threshold. They can request pension liquidation from age 60.

An MRE with 900 contribution days needs 420 more to reach the threshold. By contributing voluntarily, they can close this gap in under two years.

An MRE who no longer knows their contribution balance can check online at marocaine.cnss.ma or visit the CNSS office in their last Moroccan city of employment.

Practical steps

Career records are accessible on the CNSS portal (marocaine.cnss.ma, "mon espace" section). Voluntary contributions are paid quarterly. The full LesMRE guide on voluntary CNSS contributions from abroad covers the amounts and procedure in detail.

Share this article

Related articles

7 May 2026

Daam Sakane 2026: MRE Eligible for Morocco's Direct Housing Aid of MAD 70,000 to 100,000

The Daam Sakane programme pays direct aid of MAD 70,000 to 100,000 to buy a primary residence in Morocco. First-time MRE buyers are eligible under conditions tailored to the diaspora. Here is the full procedure and pitfalls to avoid.

5 May 2026

Morocco E-Visa 2026: What the Moroccan Diaspora Needs to Know

Morocco is preparing to launch an electronic visa system in 2026. For MRE who regularly invite family from third countries, this project could eliminate weeks of consular procedures.

4 May 2026

Divorce among Moroccans Abroad: 2026 Investigation into the Diaspora Silent Fracture

240,089 marriages and 40,214 divorces in Morocco in 2024 according to CSPJ. Almost all by mutual consent. But on the diaspora side, the marital fracture remains invisible in statistics. Data-driven investigation, legal tips and exequatur procedure explained for Moroccans abroad.

Related practical guides

Have a project in Morocco?

Find a LesMRE-verified expert to guide you through your steps.