Bamako, Mali

Social benefits

Pensions

19 August 2026

Do you have any idea how much your future retirement benefits will be?

Pensions are a benefit covered by the social security system, as set forth in Articles 142–162 of the Social Security Code. This system is funded by a total contribution rate of 9% of gross pay, of which 3.6% is paid by the employee.

Thus, in Mali, a worker can retire through three channels

  • Reaching the statutory retirement age;
  • Disability resulting from an accident or illness;
  • The worker’s death, regardless of the cause.

A full pension without any reduction is guaranteed to any

  • Who is able-bodied, 55 years old, and has 13 years of contributions;
  • A disabled worker who is 50 years old and has 13 years of contributions;
  • Who has died after 13 years of contributions.

Law No. 11-081/AN-RM of December 8, 2011, sets the retirement age for old age as follows

  1. Parapublic employers
  • Managers and Equivalents: 62 years old;
  • Supervisors and Technicians: 59 years old;
  • Other employees: 58 years old.
  1. Other employers subject to the Labor Code
  • Executives and equivalent positions: 60 years old;
  • Other employees: 58 years old.

Note: The employment relationship with executives may continue by mutual agreement until age 62.

APPM offers employers and individuals training services for employees approaching or nearing retirement on pension calculation procedures.

In addition, we provide customized services for preparing applications and processing the benefits and pensions of employees who have rendered loyal and dedicated service to the company.

Simulation EXAMPLE

For an employee born in 1956 who began working in July 1986, married to two wives, with four children born in 1978, 1980, 1986, and 1992, respectively.

The history of his taxable gross salary for his last 8 years of employment is as follows:

  • 2005: 1,307,045 CFA francs;
  • 2006: 1,339,725 CFA francs;
  • 2007: 1,376,565 CFA francs;
  • 2008: 1,429,130 CFA francs;
  • 2009: 1,480,580 CFA francs;
  • 2010: 1,507,720 CFA francs;
  • 2011: 1,565,575 CFA francs;
  • 2012: 1,615,860 CFA francs.

He plans to retire at the end of 2012 or the end of 2013, with a net monthly salary of 1,098,700 CFA francs throughout 2012.

How much should this employee expect to receive if he leaves at the end of 2012 or the end of 2013?

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