Morocco - Pensions and benefits
If you have lived or worked in Morocco and in Canada, or you are the survivor of someone who has lived or worked in Morocco and in Canada, you may be eligible for pensions or benefits from Morocco or Canada, or both.
The Convention on Social Security between Canada and Morocco came into force on March 1, 2010.
Available benefits
If you contributed to both the Canada Pension Plan and the Moroccan pension program, or if you lived in Canada and Morocco, this convention may help you qualify for:
- Canadian old age and disability benefits
- Moroccan old age and disability benefits
If you are the widow, widower or child of a person who contributed to the pension programs of the 2 countries, this convention may help you qualify for:
- Canadian survivor benefits
- Moroccan survivor benefits
You may qualify for a Canadian or a Moroccan benefit, or both. However, under the Convention, the benefit paid by each country will be based solely on your creditable periods under that country’s pension program. In other words, Canada will pay a benefit amount reflecting the portion of your periods that are creditable under Canada's pension program, and Morocco will pay a benefit amount reflecting the portion of your creditable periods under Morocco's pension program.
Eligibility
Canadian benefits
The Canadian pension programs included in the Convention are the Canada Pension Plan (CPP) and the Old Age Security (OAS) program.
If you do not qualify for a Canada Pension Plan (CPP) benefit based on your contributions to the CPP, Canada will consider insurance periods under the pension program of Morocco as insurance periods under the Canada Pension Plan.
If you do not qualify for an Old Age Security pension because you have not lived in Canada for the minimum number of years, Canada will consider insurance periods under the pension program of Morocco after the age of 18 as periods of residence in Canada.
Note: Quebec Pension Plan (QPP) contributors
The Government of Canada’s international social security agreements cover Old Age Security and Canada Pension Plan benefits only. If you contribute or have contributed to the QPP but not to the CPP, please consult the Quebec Pension Plan.
Moroccan benefits
The pension program of Morocco is similar to the Canada Pension Plan and covers most employed and self-employed persons in Morocco.
To qualify for a benefit under the pension program of Morocco, you normally must have contributed to the program for a minimum number of years. If you have not contributed to the program for the minimum period, to qualify for Moroccan benefits under the Convention, Morocco will consider periods of contribution to the Canada Pension Plan and periods of residence in Canada after the age of 18 as periods of insurance under the Moroccan pension program.
If you are a Canadian citizen, under the Convention you can receive a Moroccan benefit while residing in Canada.
Apply
Print and complete one of the following application forms:
If you live in Canada
If you live in Canada and want to apply for Canadian benefits, consult the Pensions in Canada.
If you live in Canada and want to apply for Moroccan benefits:
- Morocco/Canada Convention - Application for Moroccan old age pension (CAN-MAR_1)
- Morocco/Canada Convention - Application for Moroccan disability pension (CAN-MAR_1_(D)
- Morocco/Canada Convention - Application for Moroccan survivors’ and/or death benefit (CAN-MAR_1_(S)
Attach any necessary supporting documents, and return the application form to a Service Canada Centre, or mail it to:
International Operations
Service Canada
PO Box 250
Fredericton NB E3B 4Z6
Canada
If you live in Morocco
If you live in Morocco and want to apply for Canadian benefits:
- Morocco/Canada Convention - Application for Canadian Old Age, Retirement and Survivor Benefits (ISP5054-MAR)
- Morocco/Canada Convention - Application for CPP Child's Benefits (ISP5055-MAR)
- Morocco/Canada Convention - Application for CPP Disability Benefits (ISP5053-MAR)
Attach any necessary supporting documents, and return the application form to a social security office in Morocco, or mail it to:
International Operations
Service Canada
PO Box 250
Fredericton NB E3B 4Z6
Canada
Morocco’s social security
- The National Social Security Fund (in Arabic and French only)
- Moroccan Pension Fund (in Arabic and French only)
Related links
- Convention on Social Security between the Government of Canada and the Government of the Kingdom of Morocco
- General overview of Morocco's social security system
- Information and access to programs and services for Canadians living abroad
- Information on contributing to the Canada Pension Plan while working abroad and contact information for the Canada Revenue Agency (CRA)
Note: The Convention
This page contains general information on the Convention on Social Security between the Government of Canada and the Government of the Kingdom of Morocco and may not describe all the provisions that apply to your situation. If you have any questions, please contact us. In the case of a discrepancy between this page and the Convention, the wording and provisions of the Convention will prevail.
Page details
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