Retirement & Benefits Guide · Sint MaartenRetirement & Benefits Guide in Sint Maarten
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
Pensionado Residence Permit
Pensionado arrangement for retirees aged 50+ requires purchasing property worth at least ANG 450,000, proof of sufficient income, health insurance, and valid passport. Offers renewable residence; foreigners qualify for flat 10% tax on foreign income or fixed annual tax.
Pension System
Two-tier system: universal AOV social pension (ANG 1,116/month full benefit after 45 insured years, age 65) plus contributory APS occupational pensions based on salary and service years. Coverage limited; only 35-50% of workers have supplementary pensions.
Pension Adequacy
AOV provides basic coverage but full benefits require 45 years residency/insurance; many receive partial amounts. Supplementary private pensions uncommon, leading to retirement income gaps.
Healthcare Access
Public health insurance (AVBZ) covers residents with 1-2% premiums; quality care available but facilities limited on island. Private options and medical evacuation recommended for expats.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Pensionado program offers qualifying retirees flat 10% tax on foreign income or fixed annual tax of ANG 226,000; foreign-sourced pensions often exempt from income tax.
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