Comoros operates a mandatory contributory PAYG pension system (CNPS) with old-age pensions calculated at 2% per year of service based on average salary of last 5 years. System covers civil servants, private sector employees, and military/police with minimum 15-year contribution period and retirement age 60, but benefits often insufficient to maintain pre-retirement living standards.

Pension replacement rates typically range 30-60% depending on contribution history and earnings. Example: 30-year contributor earning KMF 200,000/month receives KMF 120,000/month (60% replacement). Limited supplementary private pension uptake and modest benefit levels create adequacy challenges for retirees.

Comoros has a basic public healthcare system with limited infrastructure and quality concerns. Retirees typically rely on private healthcare providers or international medical evacuation insurance. Healthcare costs can be significant for seniors requiring specialized care.