PAYG contributory system with old-age pension at age 65 (early at 60 with reduction) requiring 500 contribution weeks; provides 30% of average earnings plus 1% per 50 extra weeks, max 60% replacement rate, adjusted every 3 years by CPI up to 5%.

Replacement rates 30-60% based on contributions leave gaps for modest earners; minimum weekly pension EC$75, public assistance EC$150/month for needy adults, supplementary private pensions like Member Retirement Accounts available.

Public healthcare available to residents with basic facilities; quality moderate post-hurricane recovery, private clinics exist but costs can be high for expats without insurance.