Question 1

What is the legal retirement age in Madagascar under CNaPS?

Accepted Answer

The normal statutory retirement age is 60 years for both male and female workers. Early retirement at age 55 is permitted for certified medical incapacity or for mothers who have raised at least three children.

Question 2

How many contribution years are required for a monthly pension?

Accepted Answer

An insured employee must accumulate at least 15 verified years of contributions (60 calendar quarters or 180 months). Workers with fewer than 15 years receive a one-time lump-sum old-age grant.

Question 3

What is the pension calculation formula in Madagascar?

Accepted Answer

The monthly pension equals 30% of the average monthly contributory salary of the best 3 or 5 years (capped at 8x SME), increased by 1% for each additional contribution year beyond 15 years, up to a maximum rate of 40% to 50%.

Question 4

What is the family bonus on CNaPS pensions?

Accepted Answer

A pensioner who has raised at least three children up to age 16 receives a statutory 10% increase on their total calculated monthly pension.

Question 5

How much does a surviving spouse receive as reversion pension?

Accepted Answer

Upon the death of a pensioner or qualified insured worker, the surviving widow or widower is entitled to a survivor pension equal to 50% of the deceased's principal pension entitlement.

Madagascar CNaPS Retirement Pension Calculator

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Tableau Recapitulatif Legal (Statutory Matrix)

Engr. Muhammad Shahzad