Mandatory defined contribution provident fund (FNPF) with 8% employee and 10% employer contributions. Access at age 55 as lump sum or annuity; no universal social pension, relies on individual savings.

Replacement rates depend on contributions and investment returns, typically 40-60% for average earners. No guaranteed minimum; supplementary voluntary savings recommended to avoid retirement poverty.

Public healthcare free or low-cost for citizens/residents via Divisional Hospitals, but quality varies with long waits in rural areas. Private clinics in urban centers like Suva offer better care at higher costs for expats.