In recent years, the population of Montenegro has been characterized by its growing number of older citizens. During the last 50 years, the population of people aged 60 and older has tripled.
The trend of a fast-aging population is concentrated in the country’s rural northern municipalities, which are home to more than half of Montenegro’s poor population. This rise is due to a stagnating birth count, increased life expectancy and a growing trend in young people moving away from the country – resulting in a reduced population base for reproduction.
The increase in an aging population is predicted to continue: by 2050, the UN estimates that 30% of the nation’s population will consist of older persons (people who are above the age of 65).
This article will identify some of the key causes of elderly poverty in Montenegro, what elderly poverty in Montenegro looks like and what solutions the Montenegrin government is rolling out to try and combat elderly poverty in a country whose population is rapidly aging.
Key Issues That the Elderly in Montenegro Face
Older and elderly people are already among the nation’s vulnerable, and a vast majority of them live in the most rural areas of the country – particularly in the nation’s north, where urbanization has been slower to progress.
The Red Cross of Montenegro has reported that many elderly and older persons are increasingly isolated from younger family members and the youthful population. The youth of Montenegro are more inclined to move away from rural areas towards the cities in the south, or are likely to seek opportunity further afield – through travel, work or study abroad. As a result, elderly and older citizens are increasingly cut-off from opportunity and resources: older persons living in poverty in Montenegro’s rural areas have less access to social transport options, are less likely to access medical services and are less able to rely on assistance from younger people.
The elderly living in poverty are thus at risk of a lack of community, as the physical and social gap widens between this age group and younger generations. As the elderly population’s physical mobility becomes reduced, the logistics of travelling from place to place becomes more restricted, particularly in rural areas where transport options are few and far between.
One can see the roots of elderly poverty in Montenegro in the wider context of poverty within the country. In October 2025, Marina Medojević, President of The Food Bank – one of Montenegro’s many NGOs committed to tackling domestic poverty – stated that one-fifth of the country’s population lives in poverty. Medojević emphasized that the nation’s most vulnerable groups – including ‘‘the unemployed, sick, and elderly” – feel the effects of poverty the sharpest.
Government Efforts
Poverty affects a large percentage of Montenegro’s population, but elderly poverty is particularly an issue, as the population of older persons increases and many of them exist on a very low income. More than half of retirees in Montenegro are surviving on minimum benefits – an income that is less than half the average salary. Moreover, many elderly and older persons rely on the material support (MO) benefit, which UNICEF has reported to be “inadequate for households which rely solely on this program as their source of income to meet their basic needs.”
As the government of Montenegro works towards gaining EU membership, some are calling for it to treat elderly poverty in Montenegro as a priority when it comes to modernizing social systems. The government has already taken steps to address elderly poverty in Montenegro:
In 2024, responding to the pressures to increase social benefits for older and elderly citizens, the government raised minimum monthly pension benefits to EUR 450 – more than doubling the previous allowance. The Montenegrin government increased social transfers from 11% of total GDP in 2021 to 13.8% in 2024, demonstrating an effort to reform some of the social systems that protect vulnerable citizens, including the elderly. The government has also invested in constructing residential homes for the elderly, in order to meet the increasing demand due to the rate of growth of the elderly population.
The Red Cross’ Work
Other organizations, such as the Red Cross, help target the issue of elderly poverty and elderly isolation in Montenegro, by facilitating home care and social clubs. As part of its social clubs, the Red Cross connects elderly people with experts across many different fields – including doctors, psychologists and lawyers – to provide them with advice and opportunities to keep learning and to benefit their health and wellbeing.
UNDP and Local Programs
The United Nations Development Programme (UNDP) also supports local programs aimed at supporting the elderly population of Montenegro. This includes the Andrijevica Retirees Association, who were able to start the “Veterans” project with funding from the EU. This project promoted social activities in the local community for older persons, focusing on fostering wellbeing and improving quality of life for the elderly. The “Veterans” project further sought to make information about health care facilities more accessible for elderly citizens living in Andrijevica, a small town in the nation’s north.
Moving Forward
Many organizations are still calling for further action to occur. In its Social Protection Situational Analysis of 2022, UNICEF reported that “the country will need to further improve its poverty-targeted programs,” and that the “financing of social services has been low and a minimum level of services cannot be guaranteed…which will only be exacerbated by an aging population requiring long term care.” This analysis predicts that greater demand will lead to greater strain on Montenegro’s social services, if the government does not implement reforms to prevent this.
– Anna Clare
Anna is based in Chester, UK and focuses on Good News and Politics for The Borgen Project.
Photo: Flickr
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