Retirement & Benefits Guide
Retirement visas, pensions, and healthcare for retirees in Antigua And Barbuda
Retirement Visa Program
No dedicated retirement or passive income visa exists. Retirees can pursue long-stay residency requiring minimum income thresholds or Citizenship by Investment (CBI) starting at $230,000 donation or $300,000 property, offering citizenship and no residency minimum beyond 5 days/year initially.
Pension System
Contributory social insurance PAYG system with old-age pension at age 64 (rising to 65 in 2025) after 700 weeks (rising to 750) contributions. Formula: 25% of average annual earnings from best 5 years plus 1% per 50 extra weeks; min EC$350/month, max 50% of EC$6,500.
Pension Adequacy
Replacement rates start at 25% with increments, likely 40-50% for full careers, below adequate levels. Supplementary private pensions required; old-age assistance available at age 86 for residents.
Healthcare Access
Public healthcare available to residents with moderate quality at main hospital; private clinics offer better options but at higher costs. Expats need private insurance for comprehensive coverage as public system has limitations.
Cost of Living
Retiree Community
Tax Benefits for Retirees
No taxes on worldwide income, capital gains, inheritance, or wealth for citizens/residents. Foreign pensions untaxed under territorial system, though indirect taxes and import duties apply.
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