Retirement & Benefits Guide · SamoaRetirement & Benefits Guide in Samoa
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
Samoa has no dedicated retirement or passive income visa program. Expats can apply for visitor visas (up to 60 days, extendable) or residence permits via work, investment, or family ties, but no specific retiree pathway exists.
Pension System
Hybrid system with contributory Samoa National Provident Fund (SNPF) for formal workers and universal Senior Citizens Benefit Scheme (SCBS) paying 135 WST/month from age 65. Low replacement rates; SCBS covers ~1% GDP with basic benefits.
Pension Adequacy
SCBS provides minimal 135 WST (~USD 51) monthly pension; SNPF offers lump sums or annuities based on contributions but inadequate for most without savings. High reliance on family support; no strong supplementary pensions.
Healthcare Access
Public healthcare free for citizens/residents including seniors via SCBS (consultations, medicines, dentures). Limited facilities and specialists; private options scarce and expensive for expats without insurance.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard tax rates apply to foreign pensions and income. No special retiree tax exemptions or programs like NHR; Samoa taxes worldwide income for residents.
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