Retirement & Benefits Guide · American SamoaRetirement & Benefits Guide in American Samoa
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
No specific retirement or passive income visa program exists for American Samoa. U.S. citizens can reside freely as it is a U.S. territory; non-U.S. citizens must obtain standard U.S. visas, with no retiree-specific options available.
Pension System
Defined benefit system for government employees via ASG Employees’ Retirement Fund, providing 2% of average salary per year of service up to 30 years. U.S. Social Security (OASDI) covers workers with benefits based on earnings history; limited coverage and modest replacement rates.
Pension Adequacy
Replacement rates modest at around 40-60% for government pensions; Social Security provides basic old-age benefits to 5,388 beneficiaries. Supplementary savings recommended due to low adequacy for full retirement needs.
Healthcare Access
Limited public healthcare facilities with no full Medicare coverage as a U.S. territory; Medicare eligibility at 65 but many services unavailable. Retirees rely on private options or travel to Hawaii/mainland U.S. for advanced care, with high out-of-pocket costs.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard U.S. territory tax rates apply to foreign pensions and income; no special retiree tax exemptions or programs like NHR. Social Security benefits taxable, similar to U.S. rules.
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