Retirement & Benefits Guide · AndorraRetirement & Benefits Guide in Andorra
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
Passive Residence Permit
Passive residence permit for retirees requires annual income exceeding 300% of minimum wage (€52,000/year or €4,341/month for singles based on 2025 min wage €1,447), €50,000 non-refundable AFA deposit (+€12,000 per dependent), and 90 days/year stay. Leads to renewable residence; no work rights, private health insurance needed.
Pension System
Points-based PAYG system via CASS requires 15 years contributions for pension (5 years if retiring in Andorra), retirement age 65. Average pension after 28 years ~€739/month, low replacement rates indicate moderate coverage and sustainability.
Pension Adequacy
Pensions low (~€581-739/month after 15-31 years), suitable only for long-term contributors; expats receive foreign pensions compatible via agreements (e.g., Spain). Supplementary private pensions or lump sums for <15 years needed.
Healthcare Access
CASS provides universal healthcare to contributors; retirees on passive permits need private insurance. High-quality public system with agreements (Spain/France), excellent facilities and access for residents.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Foreign pensions taxed at max 10% IRPF rate, often lower via double taxation agreements. No special retiree program but territorial taxation and low rates (0-10%) benefit expats; exemptions possible per origin country.
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