Defined benefit Federated Pension Scheme (FPS) for public/parastatal workers provides annuity (75% of contributions) plus 25% lump sum; National Provident Fund (NPF) offers lump-sum benefits. Covers formal sector only with low replacement rates and no indexation.

Limited coverage to formal employees; benefits up to 66.67% of salary in FPS but often lump sums in NPF. High informality leaves most without pensions, supplementary private schemes rare.

Basic public healthcare available but limited quality and access in rural areas; private clinics exist in Banjul but expensive for expats. No universal coverage for non-citizens, out-of-pocket costs common.