Dual system combining social insurance (AOV) with mandatory occupational pensions. AOV provides basic coverage with 47.5 years residency requirement; mandatory occupational pensions use defined contribution model with 6% minimum contributions (3% employer, 3% employee).

AOV provides modest base pension (1,132 AWG/month for singles without dependents) supplemented by occupational pensions. Replacement rates depend on contribution history and investment returns; supplementary private pensions recommended for adequate retirement income.

High-quality healthcare system available to legal residents with mix of public and private options. Comprehensive coverage for retirees; system rated favorably among Caribbean nations with modern facilities and accessible care.