← Policy Information
- Mandatory affiliation: employers must affiliate all employees (including foreign staff) with the CNSS and pay contributions.
- Contribution ceiling: MAD 6,000 per employee per month (short/long-term benefits and unemployment insurance only; family allowances, AMO and vocational training tax are not capped).
- Employer total ≈ 21.09% (family 6.40% + short-term 1.05% + long-term 7.93% + AMO 4.11% + TFP 1.60%); employee total ≈ 6.74% (0.52% + 3.96% + AMO 2.26%).
- Mining companies contributing to the mining vocational training fund may be exempt from the 1.60% TFP.
- Doctrinal gap: the official eRegulations document still shows the old AMO rates (3.50%/2%); since the 2024 reform apply 4.11%/2.26%, to be confirmed with the local CNSS office or Damancom.