As an Australian external territory, residents access Australia's robust PAYG superannuation system with retirement age 60-67. Contributory pensions provide average replacement rates of 60-75% for median earners, supplemented by Age Pension for eligible residents.

Pensions meet moderate needs with replacement rates 50-80% based on contributions and means-testing for Age Pension. Low poverty rates among Australian seniors, but remote location may limit supplementary options.

Public healthcare provided through Australian-funded services including clinic and hospital on West Island. Medicare-eligible residents access quality care; air evacuations to Australia for complex needs, with private options limited.