Retirement & Benefits Guide in Reunion
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
No specific retirement visa for Réunion as it is an overseas department of France. Expats can apply for French long-stay visitor visa (Visiteur) requiring proof of sufficient passive income (around €1,800/month for singles) and private health insurance, renewable leading to residency after 5 years.
Pension System
French PAYG system applies with basic state pension and compulsory Agirc-Arrco supplementary scheme. Average replacement rate up to 50% from basic plus supplements; retirement age 62-64 based on birth year, sustainable with full career contributions.
Pension Adequacy
Replacement rates 37.5-50%+ from basic scheme for full careers, topped by supplements; Aspa solidarity allowance for low-income retirees ensures minimum €747/month. Supplementary private pensions common to meet needs.
Healthcare Access
Universal French social security healthcare fully available to legal residents in Réunion, matching metropolitan France standards. Comprehensive public coverage with mutuelle top-ups; quality hospitals but potential wait times.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard French progressive income tax applies to worldwide income for residents, including foreign pensions. 10% tax-free allowance on pensions (capped ~€3,900/household); US-France treaty prevents double taxation on US pensions.
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