Prior to the introduction of the Collective Scheme for Retirement Allowances (Régime collectif d’allocation de retraite – RCAR) in 1978 and in the absence of a statutory retirement scheme to cover them, several public establishments in Morocco managed their own retirement funds (special schemes, railway workers, mining personnel, water and electricity managers). This however suffered from the following limitations and drawbacks:

• the differences in the social security benefits guaranteed under the different schemes: problem of inequity;
• the generosity of these schemes compared to other basic schemes (CNSS, CMR): problem of sustainability.

The introduction of the RCAR offered a platform that made it possible:

• to integrate these schemes into a single scheme;
• to harmonize and standardize the conditions applied and the social security benefits granted;
• to limit the implicit debts accumulated by the various schemes.

The RCAR surmounted the challenges integrating the schemes, which included a range of highly complex measures.