Andorra's CASS Paid €1,222 Average Retirement Pension to Long-Term Contributors in 2025

At the end of 2025, the Caixa Andorrana de Seguretat Social (CASS) paid an average monthly retirement pension of €1,222 to 9,304 beneficiaries who had contributed for more than 20 years. Of these, 7,861 lived in Andorra while 1,443 resided abroad.

Overall, the retirement branch supported 16,201 pensioners, with 9,736 in the Principat and 6,465 elsewhere. The average monthly payout across this group stood at €823.48, up notably from previous years. In comparison, 6,897 people with 0-20 years of contributions received an average of €283 per month, including 1,875 residents in Andorra and 5,022 abroad. Many in this lower-contribution category had worked short periods in Andorra—often before moving to Spain or France—and benefited from international social security agreements that aggregate contribution years across countries.

CASS ended 2025 with 22,916 total pensioners. Retirement pensions, encompassing old-age, converted disability, and standard retirement benefits, accounted for 16,829 recipients, with an average of €825 monthly; 10,110 of them lived in Andorra. Widows and widowers numbered 3,626, including 2,109 residents, receiving €431 on average. Orphan pensions went to 311 people (205 residents) at €392 monthly, while 2,149 invalidity pensioners (1,536 residents) averaged €728.

The dependency ratio—measuring contributors aged 16-64 against those over 65—dipped slightly to 3.14 insured workers per retiree, down from 3.21 in 2024.

Pensions for those with over 20 years of contributions rose from €1,176 at the end of 2024, while the general average increased €42 to €823, reflecting adjustments for living costs and inflation. Current rules, in place since 2014, grant retirement benefits after 15 years at age 65, early retirement from age 61 with 40 years, or capitalisation for 5-15 years of contributions. These figures highlight ongoing demographic pressures on Andorra's system amid a growing retiree population.