Life stages in Monaco

Monaco’s life-stage support is distributed among the Gouvernement Princier, education and social services, social-security funds, employment services and specialist institutions. The C.C.S.S. social-security fund supports family and maternity-related benefits, while the C.A.M.T.I. covers self-employed workers within the relevant social-security system. Eligibility and payment levels can change with registration, residence, nationality, employment status, contribution history, income and the date of application. During pregnancy and early childhood, C.C.S.S. prenatal allowances require timely registration. The pregnancy must be reported no later than three months after it has been accepted, and medical examinations are scheduled during the third, sixth and eighth months, followed by a postnatal examination within eight weeks. Family allowances from 1 October 2025 are 171 euros per month for a child under three, 256.50 euros from three to under six, 307.80 euros from six to under ten and 359.10 euros from age ten onward. The applicable amount can change when official rates are updated. Compulsory education covers ages 6 to 16. Public education is free, and Monaco also has private schools under contract and independent private schools. Children can usually enter maternelle from age three when a place is available. Schooling abroad requires notification to DENJS, Monaco’s education and youth authority, together with a school certificate. Home education requires authorization from DENJS. The Centre de Loisirs Prince Albert II provides leisure care for children aged 3 to 12; Wednesday-afternoon access depends on primary-school attendance, schooling in Monaco and both parents working. Current fees must be checked against the applicable tariff. Youth services connect education with cultural participation and employment. Pass’Sport Culture covers cultural and sports activities for ages 11 to 25. The Cellule Emploi-Jeunes supports people aged 16 to 26 with a first job, internship, apprenticeship, seasonal work or alternance, which combines learning with work. Access includes Monégasque nationals, certain spouses or children of Monégasque nationals, Monaco residents and people from neighbouring municipalities who attend school in Monaco. Higher-education support includes the bourse d’études for applicants under 28 and the bourse de promotion sociale for applicants under 50. Eligibility can depend on nationality or family and public-service links, at least ten uninterrupted years of residence and annual application deadlines through MonGuichet; a paper application option exists when digital access is unavailable. Adult support follows formal employment and insurance systems. The DASO social-action service can assist residents with a recognized disability when the applicable income limit and means assessment are met. The adult disability allowance is paid monthly up to age 60 under the stated conditions, including the transition from the special-education allowance to the adult allowance. Maternity, employment and social-security rights depend on the relevant affiliation and contribution rules rather than age alone. The statutory retirement age is 65. Private-sector employees generally deal with the C.A.R. pension fund and the C.M.R.C. supplementary pension scheme, while self-employed workers use C.A.R.T.I. A retirement application should normally be submitted about one month before the desired date because the filing date determines the pension start. Earlier retirement can be available from age 55 for a mother with at least three children who cared for each child for at least eight years before the child’s sixteenth birthday, and from ages 60 to 65 when minimum conditions are met. From 1 August 2026, a surviving spouse can receive a pension de réversion from age 50, or immediately when at least one dependent child is present, subject to the applicable scheme rules. For people over 60 who need help with daily living, the Centre de Coordination Gérontologique de Monaco, known as CCGM, acts as a single coordination point. It provides individual advice, a geriatric and gerontological assessment, a plan d’aide individualisé and coordination with home-care, social and medical providers. Home living is generally prioritized, with support for relatives and a coordinated institutional pathway when necessary. In 2025, the government reported about 800 beneficiaries. Residential support can combine the aide sociale en établissement pour personnes âgées with dependence or autonomy funding and accommodation funding. Temporary placement in France may involve differential financing; eligibility and the person’s contribution depend on the assessment, personal situation and supporting documents. Life-stage crises include isolation, heat exposure, loss of autonomy, family distress, bullying and violence in the school environment. The CCGM can register vulnerable older people and coordinate intervention with social and care services; emergencies use 112. Children and young people in difficulty may receive multidisciplinary educational, social-work and psychological support, and a court can order protection when required. Family preservation is prioritized where possible. Loi n° 1.513 addresses bullying and violence in schools, while Centre Plati supports children and young people. The psychiatric day centre in Beausoleil is reached through a referral from Centre Plati, so that arrangement belongs to a cross-border health pathway rather than a general social-service appointment. Informal care by relatives is practically significant but does not automatically have the same legal effect as a formal benefit or assessed service.