Provident fund system (not traditional PAYG) established 1987. Compulsory for employees earning 3,000+ VUV monthly; members receive lump sum of contributions plus accrued interest at retirement age 55. Limited replacement rate data available; system designed as savings mechanism rather than income replacement program.

Retirement benefits paid as lump sum of employee/employer contributions plus interest rather than ongoing pension income. Adequacy depends on contribution history and fund performance; no comprehensive replacement rate data published. Voluntary contributions being introduced to allow enhanced savings.

Public healthcare system exists but limited data on retiree-specific access and quality. Island nation with basic facilities; expats typically rely on private healthcare or medical tourism to Australia/New Zealand. Healthcare costs for retirees not comprehensively documented.