Retirement & Benefits Guide · ArubaRetirement & Benefits Guide in Aruba
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
Aruba Retiree Residence Permit
Special residency program for retirees aged 55+ requiring minimum annual income of US$56,200 (approximately AWG 101,160) and home ownership on the island. One-year renewable permit with path to permanent residency and Dutch citizenship.
Pension System
Dual system combining social insurance (AOV) with mandatory occupational pensions. AOV provides basic coverage with 47.5 years residency requirement; mandatory occupational pensions use defined contribution model with 6% minimum contributions (3% employer, 3% employee).
Pension Adequacy
AOV provides modest base pension (1,132 AWG/month for singles without dependents) supplemented by occupational pensions. Replacement rates depend on contribution history and investment returns; supplementary private pensions recommended for adequate retirement income.
Healthcare Access
High-quality healthcare system available to legal residents with mix of public and private options. Comprehensive coverage for retirees; system rated favorably among Caribbean nations with modern facilities and accessible care.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Residents taxed on worldwide income at rates 7-59% based on taxable income. Foreign pensions subject to standard income tax rates; no special exemption programs for retirees, but employer can pay employee pension contributions tax-exempt.
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